<?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>0001832812</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>Gu Paul</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Officer</relationshipToIssuer>
        <relationshipToIssuer>Director</relationshipToIssuer>
      </relationshipsToIssuer>
    </issuerInfo>
    <securitiesInformation>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <brokerOrMarketmakerDetails>
        <name>Fidelity Brokerage Services LLC</name>
        <address>
          <com:street1>245 Summer Street</com:street1>
          <com:city>Boston</com:city>
          <com:stateOrCountry>MA</com:stateOrCountry>
          <com:zipCode>02110</com:zipCode>
        </address>
      </brokerOrMarketmakerDetails>
      <noOfUnitsSold>87600</noOfUnitsSold>
      <aggregateMarketValue>6078467.64</aggregateMarketValue>
      <noOfUnitsOutstanding>89513590</noOfUnitsOutstanding>
      <approxSaleDate>12/02/2024</approxSaleDate>
      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <acquiredDate>12/02/2024</acquiredDate>
      <natureOfAcquisitionTransaction>Stock Option Exercise</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Upstart Holdings, Inc.</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>87600</amountOfSecuritiesAcquired>
      <paymentDate>12/02/2024</paymentDate>
      <natureOfPayment>Wire</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Paul Xinquan Gu</name>
        <address>
          <com:street1>c/o Upstart Holdings, Inc.</com:street1>
          <com:street2>2950 S. Delaware Street, Suite 300</com:street2>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>08/15/2024</saleDate>
      <amountOfSecuritiesSold>35000</amountOfSecuritiesSold>
      <grossProceeds>1296246.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Paul Xinquan Gu</name>
        <address>
          <com:street1>c/o Upstart Holdings, Inc.</com:street1>
          <com:street2>2950 S. Delaware Street, Suite 300</com:street2>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>08/19/2024</saleDate>
      <amountOfSecuritiesSold>10000</amountOfSecuritiesSold>
      <grossProceeds>400072.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Paul Xinquan Gu</name>
        <address>
          <com:street1>c/o Upstart Holdings, Inc.</com:street1>
          <com:street2>2950 S. Delaware Street, Suite 300</com:street2>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>08/20/2024</saleDate>
      <amountOfSecuritiesSold>16064</amountOfSecuritiesSold>
      <grossProceeds>615486.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Paul Xinquan Gu</name>
        <address>
          <com:street1>c/o Upstart Holdings, Inc.</com:street1>
          <com:street2>2950 S. Delaware Street, Suite 300</com:street2>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>09/03/2024</saleDate>
      <amountOfSecuritiesSold>45000</amountOfSecuritiesSold>
      <grossProceeds>1838497.50</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Paul Xinquan Gu</name>
        <address>
          <com:street1>c/o Upstart Holdings, Inc</com:street1>
          <com:street2>2950 S. Delaware Street, Suite 300</com:street2>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>10/01/2024</saleDate>
      <amountOfSecuritiesSold>36200</amountOfSecuritiesSold>
      <grossProceeds>1419634.03</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Paul Xinquan Gu</name>
        <address>
          <com:street1>c/o Upstart Holdings, Inc</com:street1>
          <com:street2>2950 S. Delaware Street, Suite 300</com:street2>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common stock</securitiesClassTitle>
      <saleDate>10/04/2024</saleDate>
      <amountOfSecuritiesSold>8800</amountOfSecuritiesSold>
      <grossProceeds>352905.52</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Paul Xinquan Gu</name>
        <address>
          <com:street1>c/o Upstart Holdings, Inc, 2950 S. Delaw</com:street1>
          <com:street2>Suite 300</com:street2>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common stock</securitiesClassTitle>
      <saleDate>10/14/2024</saleDate>
      <amountOfSecuritiesSold>20000</amountOfSecuritiesSold>
      <grossProceeds>1005134.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Paul Xinquan Gu</name>
        <address>
          <com:street1>c/o Upstart Holdings, Inc</com:street1>
          <com:street2>2950 S. Delaw, Suite 300</com:street2>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>11/15/2024</saleDate>
      <amountOfSecuritiesSold>65000</amountOfSecuritiesSold>
      <grossProceeds>4327771.50</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Paul Xinquan Gu</name>
        <address>
          <com:street1>c/o Upstart Holdings, Inc, 2950 S. Delaw</com:street1>
          <com:street2>Suite 300</com:street2>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>11/21/2024</saleDate>
      <amountOfSecuritiesSold>21214</amountOfSecuritiesSold>
      <grossProceeds>1591580.35</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Paul Xinquan Gu</name>
        <address>
          <com:street1>c/o Upstart Holdings, Inc, 2950 S. Delaw</com:street1>
          <com:street2>Suite 300</com:street2>
          <com:city>San Mateo</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>11/25/2024</saleDate>
      <amountOfSecuritiesSold>58786</amountOfSecuritiesSold>
      <grossProceeds>4463814.97</grossProceeds>
    </securitiesSoldInPast3Months>
    <noticeSignature>
      <noticeDate>12/02/2024</noticeDate>
      <planAdoptionDates>
        <planAdoptionDate>02/28/2024</planAdoptionDate>
      </planAdoptionDates>
      <signature>Audrey Skillern as a duly authorized representative of National Financial Services LLC, as attorney-in-fact for Paul Xinquan Gu</signature>
    </noticeSignature>
  </formData>
</edgarSubmission>
