<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/ownership" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>144</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <cik>0001832808</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>



    </filerInfo>
  </headerData>
  <formData>
    <issuerInfo>
      <issuerCik>0001647639</issuerCik>
      <issuerName>Upstart Holdings, Inc.</issuerName>
      <secFileNumber>001-39797</secFileNumber>
      <issuerAddress>
        <com:street1>2950 S. DELAWARE STREET, SUITE 300</com:street1>
        <com:city>SAN MATEO</com:city>
        <com:stateOrCountry>CA</com:stateOrCountry>
        <com:zipCode>94403</com:zipCode>
      </issuerAddress>
      <issuerContactPhone>(650) 204-1000</issuerContactPhone>
      <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>Datta Sanjay</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Officer</relationshipToIssuer>
      </relationshipsToIssuer>
    </issuerInfo>
    <securitiesInformation>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <brokerOrMarketmakerDetails>
        <name>Charles Schwab &amp; Co., Inc.</name>
        <address>
          <com:street1>3000 Schwab Way</com:street1>
          <com:city>Westlake</com:city>
          <com:stateOrCountry>TX</com:stateOrCountry>
          <com:zipCode>76262</com:zipCode>
        </address>
      </brokerOrMarketmakerDetails>
      <noOfUnitsSold>1500</noOfUnitsSold>
      <aggregateMarketValue>119310.00</aggregateMarketValue>
      <noOfUnitsOutstanding>91228026</noOfUnitsOutstanding>
      <approxSaleDate>11/11/2024</approxSaleDate>
      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>02/20/2023</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted Stock Lapse</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Upstart Holdings, Inc.</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>919</amountOfSecuritiesAcquired>
      <paymentDate>02/20/2023</paymentDate>
      <natureOfPayment>Equity Compensation</natureOfPayment>
    </securitiesToBeSold>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>04/20/2023</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted Stock Lapse</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Upstart Holdings, Inc.</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>581</amountOfSecuritiesAcquired>
      <paymentDate>04/20/2023</paymentDate>
      <natureOfPayment>Equity Compensation</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>08/12/2024</saleDate>
      <amountOfSecuritiesSold>1500</amountOfSecuritiesSold>
      <grossProceeds>53085.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>08/19/2024</saleDate>
      <amountOfSecuritiesSold>1500</amountOfSecuritiesSold>
      <grossProceeds>55500.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>08/20/2024</saleDate>
      <amountOfSecuritiesSold>19305</amountOfSecuritiesSold>
      <grossProceeds>739873.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>08/26/2024</saleDate>
      <amountOfSecuritiesSold>1500</amountOfSecuritiesSold>
      <grossProceeds>63600.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>09/03/2024</saleDate>
      <amountOfSecuritiesSold>1500</amountOfSecuritiesSold>
      <grossProceeds>62655.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>09/09/2024</saleDate>
      <amountOfSecuritiesSold>1500</amountOfSecuritiesSold>
      <grossProceeds>52275.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>09/16/2024</saleDate>
      <amountOfSecuritiesSold>1500</amountOfSecuritiesSold>
      <grossProceeds>51630.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>09/23/2024</saleDate>
      <amountOfSecuritiesSold>1500</amountOfSecuritiesSold>
      <grossProceeds>60000.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>09/30/2024</saleDate>
      <amountOfSecuritiesSold>1500</amountOfSecuritiesSold>
      <grossProceeds>60480.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>10/07/2024</saleDate>
      <amountOfSecuritiesSold>1500</amountOfSecuritiesSold>
      <grossProceeds>61935.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>10/14/2024</saleDate>
      <amountOfSecuritiesSold>1500</amountOfSecuritiesSold>
      <grossProceeds>73020.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>10/21/2024</saleDate>
      <amountOfSecuritiesSold>1500</amountOfSecuritiesSold>
      <grossProceeds>80715.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>10/28/2024</saleDate>
      <amountOfSecuritiesSold>1500</amountOfSecuritiesSold>
      <grossProceeds>77550.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SANJAY DATTA</name>
        <address>
          <com:street1>2950 S. Delaware Street, Suite 300</com:street1>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>11/04/2024</saleDate>
      <amountOfSecuritiesSold>1500</amountOfSecuritiesSold>
      <grossProceeds>72990.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <remarks>Sale on this filing was done on 11/11/2024, filing couldn't be made on sale date due to Veteran's Day Holiday and EDGAR being closed.</remarks>
    <noticeSignature>
      <noticeDate>11/11/2024</noticeDate>
      <planAdoptionDates>
        <planAdoptionDate>02/26/2024</planAdoptionDate>
      </planAdoptionDates>
      <signature>SANJAY DATTA</signature>
    </noticeSignature>
  </formData>
</edgarSubmission>
