US-based First Commonwealth Federal Credit Union has partnered with US-based lending marketplace Upstart (NASDAQ: UPST) to expand access to personal loans and better serve its growing membership across Pennsylvania and New Jersey, the company said.

As an Upstart Referral Network lending partner since December 2024, First Commonwealth can now provide eligible personal loan applicants on Upstart.com with tailored loan offers.

Qualified applicants seamlessly transition into a First Commonwealth-branded experience to complete the online membership application and closing process.

Through Upstart APIs, new member and loan data integrate into First Commonwealth's core banking platform--ensuring a seamless member onboarding process and enhancing opportunities to serve members beyond their initial loan needs.

Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart's AI models and cloud applications to deliver superior credit products.

With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand.

More than 90% of loans are fully automated, with no human intervention by Upstart.

Founded in 2012, Upstart's platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar "relief" loans.

Upstart is based in San Mateo, California.

First Commonwealth, headquartered in Allentown, Pennsylvania, is a credit union serving Pennsylvania and New Jersey.

With 14 locations and a digital banking experience, it serves over 95,000 members and 2,400 companies.