Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Upstart

upstart.com

Personal, auto and student lendingLending and credit

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
621 of 2,219
its rank by overall score
Place in its category
11th of 62 consumer lenders
Closing balance

Named in

8of 60 answers

by 4 of 4 assistants

Statement note

What this means for Upstart

AI assistants name this consumer lender in 13.3% of answers, while the typical company in its sector is named in just 3.3%. It has an overall score of 35 out of 100, ranking 621st of 2,219 companies. Its website passes 4 of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Upstart by name. AI assistants named it in 8 of the 60 answers. Counting only how often it is named, it ranks 22nd of 93 in its sector. The typical lending and credit company is named in 3.3% of answers.

Overall score
35Overall score
  • Visibility16
  • Citations2
  • Sentiment69
  • Site quality80
  • AI readiness29
Summary of account
Named by AI in
13.3%
8 of 60 answers
Share of mentions
21.6%
of the mentions of it and its 5 peers
AI readiness
4/14
technical checks passed. Typical for its sector: 4
Rank in its sector
28 of 93
by overall score, where the typical lending and credit company scores 31

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Line itemsSection 01

Every question, and where the company came up

Upstart came up on 3 of 15 questions. Open any window to read that answer.

  1. 01What are typical interest rates for personal loans from online lenders?2/4
  2. 02What is the difference between a cash advance and a personal loan online?0/4
  3. 03Where can I get a short-term relief loan quickly in the US?4/4
  4. 04What are the best online platforms for personal loans with fast approval in the US?2/4
  5. 05What are alternatives to online personal loans for consolidating debt?0/4
  6. 06Can you use a personal loan to pay medical bills or emergency expenses?0/4
  7. 07Why did my online personal loan application get denied?0/4
  8. 08Are there hidden fees with online debt consolidation loans?0/4
  9. 09Best options for debt consolidation loans with low fixed rates0/4
  10. 10Best ways to use a cash advance from an online lending platform0/4
  11. 11Is using an online home equity line of credit a smart way to finance large expenses?0/4
  12. 12How can I speed up funding on an approved online loan?0/4
  13. 13Personal loans vs home equity lines of credit: which is better for debt consolidation?0/4
  14. 14Alternative financing options if you don’t qualify for a HELOC0/4
  15. 15Are personal loans from online lending platforms worth it for credit card debt payoff?0/4
Total namedOpenAI: 3/15Claude: 2/15Perplexity: 1/15Gemini: 2/15All assistants: 8/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What OpenAI actually said

An answer that names the company

OpenAInamed the company

“What are the best online platforms for personal loans with fast approval in the US?”

Short answer — for fast online personal-loan approval and funding in the U.S. check: SoFi, Upstart, LendingClub (Happen Bank), Upgrade, Best Egg, and Avant. These lenders consistently advertise quick prequalification and same‑ or next‑day funding for many approved borrowers, but the fastest option for you depends on your credit profile and documentation. (nerdwallet.com)

Quick notes on each (what makes them fast / who they’re best for)

SoFi — Known for a fully online application, instant …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    SoFi
    14
  2. 02
    Best Egg
    7
  3. 03
    Avant
    4
  4. 04
    Prosper
    3
  5. 05
    LendingClub
    1

Share of mentions

CompanyShare
  1. SoFi
    35.1%
  2. Upstart
    21.6%
  3. Best Egg
    18.9%
  4. Avant
    10.8%
  5. Prosper
    8.1%
  6. LendingClub
    5.4%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    experian.com
    28
  2. 02
    bankrate.com
    27
  3. 03
    nerdwallet.com
    24
  4. 04
    moneylion.com
    18
  5. 05
    sofi.com
    17
  6. 06
    consumerfinance.gov
    16
  7. 07
    cnbc.com
    12
  8. 08
    lendingtree.com
    11
  9. 09
    upstart.com (its own website)
    10
  10. 10
    credible.com
    9

Upstart is in the study as a consumer lender.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

OpenAI
3/15
Gemini
2/15
Claude
2/15
Perplexity
1/15
Market comparisonSection 06

How Upstart compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
16

How often AI assistants name the company, and how that compares with its peers

Citations
2

How often AI uses the company's own website as a source

Sentiment
69

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
29

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with lending and credit companies

93 companies in this sector. The gold tick on each bar is the typical company.

Overall score
35
Ranks 28 of 93. Typical company: 31
Named in answers
13.3%
Ranks 22 of 93. Typical company: 3.3%
AI readiness
29
Ranks 24 of 93. Typical company: 29
Against its categorySection 08

Compared with consumer lenders

62 companies in this category. The gold tick on each bar is the typical company.

Overall score
35
Ranks 10 of 62. Typical company: 28
Named in answers
13.3%
Ranks 5 of 62. Typical company: 1.7%
AI readiness
29
Ranks 16 of 62. Typical company: 29
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. Upstart publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtPublished
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
25 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtPartly met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 31 of 100 · 97% of checks could run · checked on October 9, 2026 · www.upstart.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

4 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Passedllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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ShareSection 12

Share this result

Overall score 35 of 100 badge for Upstart

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/upstart.com"><img src="https://aeo-audit.rezolve.com/finance/badges/upstart.com.svg" alt="Overall score 35 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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