Consolidated Balance Sheets (Parenthetical) - USD ($)		Dec. 31, 2023	Dec. 31, 2022
Other assets at fair value		$ 48,897,000	$ 42,648,000
Accrued expenses and other liabilities at fair value		$ 10,510,000	$ 8,820,000
Common stock, par value (in dollars per share)		$ 0.0001	$ 0.0001
Common stock, authorized (in shares)		700,000,000	700,000,000
Common stock, issued (in shares)		86,330,303	81,259,676
Common stock, outstanding (in shares)		86,330,303	81,259,676
Loans held in consolidated securitization		$ 179,100,000	$ 0
Assets
Cash		368,405,000	422,411,000
Restricted cash		99,382,000	110,056,000
Loans (at fair value)	[1]	1,156,413,000	1,010,421,000
Other assets (includes $2,244 and $5,958 at fair value as of December 31, 2022 and December 31, 2023, respectively)		146,227,000	154,351,000
Total assets	[2]	2,017,100,000	1,936,054,000
Liabilities
Payable to investors		53,580,000	90,777,000
Borrowings		1,040,424,000	986,394,000
Payable to securitization note holders (at fair value)		141,416,000	0
Accrued expenses and other liabilities		71,438,000	66,946,000
Total liabilities	[2]	1,381,795,000	1,263,619,000
Total stockholders’ equity		635,305,000	672,435,000
Variable Interest Entity, Primary Beneficiary
Other assets at fair value		5,958,000	2,244,000
Assets
Cash		1,603,000	838,000
Restricted cash		23,450,000	13,147,000
Loans (at fair value)		1,147,423,000	958,822,000
Other assets (includes $2,244 and $5,958 at fair value as of December 31, 2022 and December 31, 2023, respectively)		22,917,000	11,674,000
Total assets		1,195,393,000	984,481,000
Liabilities
Payable to investors		121,000	0
Borrowings		387,440,000	336,452,000
Payable to securitization note holders (at fair value)		141,416,000	0
Accrued expenses and other liabilities		1,975,000	1,378,000
Total liabilities		530,952,000	337,830,000
Total stockholders’ equity		$ 664,441,000	$ 646,651,000

[1] As of December 31, 2023, includes $179.1 million of loans, at fair value, contributed as collateral for the consolidated securitization. No such loans were held as of December 31, 2022. Refer to “Note 6. Fair Value Measurement” for details.

[2] The following table presents information on assets and liabilities related to variable interest entities (“VIEs”) that are consolidated by Upstart Holdings, Inc. at December 31, 2022 and December 31, 2023. The assets in the table below may only be used to settle obligations of consolidated VIEs and are in excess of those obligations. The liabilities in the table below include liabilities for which creditors do not have recourse to the general credit of Upstart Holdings, Inc. The assets and liabilities in the table below include third-party assets and liabilities of consolidated VIEs and exclude intercompany balances that eliminate in consolidation. December 31,December 31,20222023AssetsCash$838 $1,603 Restricted cash13,147 23,450 Loans (at fair value)958,822 1,147,423  Other assets (includes $2,244 and $5,958 at fair value as of December 31, 2022 and December 31, 2023, respectively) 11,674 22,917 Total assets$984,481 $1,195,393 LiabilitiesPayable to investors$— $121 Borrowings336,452 387,440 Payable to securitization note holders (at fair value)— 141,416 Accrued expenses and other liabilities1,378 1,975 Total liabilities337,830 530,952 Total net assets$646,651 $664,441