USF Credit Union has selected Upstart (NASDAQ: UPST) to expand its personal lending program through artificial intelligence technology. The Tampa-based credit union, which manages over $1.4 billion in assets and serves more than 80,000 members, began offering loans through Upstart's platform in March 2026.

The partnership allows USF Credit Union to reach potential borrowers through Upstart's online marketplace. Qualified applicants who meet the credit union's lending criteria receive loan offers and complete the application process through a USF Credit Union-branded digital experience.

"USF Credit Union's goal is to help all of our members achieve financial wellness through better banking," said Richard Sellwood, Senior Vice President and Chief Operation Officer at USF Credit Union. "By partnering with Upstart, we're able to expand access to credit using AI-powered technology, while maintaining the human, member-first experience our community expects."

Upstart operates an AI lending marketplace that connects consumers with over 100 banks and credit unions. The company reports that more than 90% of loans processed through its platform are fully automated. Founded in 2012, Upstart offers personal loans, automotive loans, home equity lines of credit, and revolving credit products.

"We're excited to welcome USF Credit Union to the family of Upstart lending partners," said Ed Walters, Vice President of Lending Partnerships at Upstart. "By partnering with Upstart, USF Credit Union is able to reach and lend to more potential members across the communities it serves through a modern, digital lending experience."

USF Credit Union was established in 1959 as a member-owned financial cooperative. The information was disclosed in a press release statement.