Cabrillo Credit Union, a financial institution serving 26,000 members across the greater San Diego community, has partnered with Upstart, an artificial intelligence (AI) lending marketplace, to enhance its personal loan offerings.
Through this collaboration, Cabrillo Credit Union integrates with the Upstart Referral Network. This system allows qualified personal loan applicants on Upstart.com who meet Cabrillo’s credit policies to receive tailored loan offers. Applicants then seamlessly transition into a Cabrillo Credit Union-branded experience to complete the online member application and closing process.
Cabrillo Credit Union commenced lending as a partner on the Upstart Referral Network in April 2025.
Bret Hoda, Chief Revenue Officer at Cabrillo Credit Union, commented on the partnership, stating, “At Cabrillo Credit Union, our mission is to enrich our members’ lives one relationship at a time by meeting them where and when they need us most. Through our partnership with Upstart, we’re able to reach, onboard and build meaningful relationships with new members through an online, automated personal lending experience they can access anywhere, anytime.”
Michael Lock, Senior Vice President of Lending Partnerships at Upstart, added, “We welcome Cabrillo Credit Union to the family of Upstart lending partners. As part of the Upstart Referral Network, Cabrillo is growing its personal lending portfolio while also growing new member relationships through a fast, all-digital solution powered by AI.”
Founded in 1955, Cabrillo Credit Union initially served Border Patrol Agents in San Diego and has since expanded its services to federal employees, Sharp HealthCare staff, and all residents or workers within San Diego County. Upstart, established in 2012 and based in San Mateo, California, operates an AI lending marketplace connecting consumers with over 100 banks and credit unions. Upstart’s AI models and cloud applications are designed to enable lenders to approve more borrowers at potentially lower rates, with more than 90% of loans being fully automated without human intervention.
