Why This Matters
Previously, many standalone credit apps were submitted without a vehicle, which meant:
No pricing could be generated
No offer was shown to the dealer
Now:
More applications convert into actionable deals with rates
You can review and present offers faster
No additional work is required on your end
How It Works
A borrower submits a standalone credit application
The application is saved immediately
The borrower is prompted to browse your inventory
They can filter by:
Year, make, model
Price range
Condition, trim, VIN, etc.
The borrower selects a vehicle
Upstart automatically submits the deal for pricing
You will See the deal with rates in Active Deals
Receive a notification (if enabled)
What You’ll See
A new priced deal appears in your Active Deals page
The deal is highlighted for visibility
Rates are already available. No manual input needed
Email Notifications
This feature updates how notifications work:
Replaces the existing credit app submission email
Does not increase email volume
Provides clearer next steps:
Offer available → Review and present
No offer → Review credit profile
No vehicle → Add vehicle manually if needed
Key Benefits
Automatic pricing for standalone credit apps
More actionable deals in your pipeline
Less manual work for your team
Faster turnaround from application → offer
FAQs
Does the borrower have to select a vehicle?
No. Vehicle selection is optional. If skipped, the process remains the same as today.Will this apply to existing credit apps?
No. This applies only to new applications submitted after launch.Can I turn this off?
Yes, but the feature is enabled by default and recommended to stay on.What if I only sell new vehicles?
Borrowers will only see relevant inventory (filters adjust automatically).
Need Help?
Have questions about Car Selection on Standalone Credit Apps? Click the teal chevron in the bottom right corner to connect with our Support team - we’re here to help.