Upstart and Affirm are two separate U.S.-based fintech companies that both use data and machine learning to underwrite and provide consumer credit, but they are not a single combined entity. Upstart focuses on AI-driven personal lending and credit decisioning, while Affirm specializes in buy-now-pay-later (BNPL) installment financing for retail purchases. Because they are distinct public companies, a unified profile will necessarily be high-level and may omit company-specific details.
Both Upstart and Affirm position themselves as data- and AI-intensive fintechs, using machine learning models on alternative and traditional credit data to improve underwriting accuracy, expand access to credit, and manage risk. However, they operate different business models and product lines, so any combined view should be treated as an approximation rather than a precise representation of either company.