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            <ccc>XXXXXXXX</ccc>
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        <liveTestFlag>LIVE</liveTestFlag>
  
  
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        <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>5000</noOfUnitsSold>
        <aggregateMarketValue>150266.00</aggregateMarketValue>
        <noOfUnitsOutstanding>83887658</noOfUnitsOutstanding>
        <approxSaleDate>10/10/2023</approxSaleDate>
        <securitiesExchangeName>NASDAQ</securitiesExchangeName>
      </securitiesInformation>
      <securitiesToBeSold>
        <securitiesClassTitle>Common Stock</securitiesClassTitle>
        <acquiredDate>10/10/2023</acquiredDate>
        <natureOfAcquisitionTransaction>Stock Option Exercise</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Upstart Holdings, Inc.</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>5000</amountOfSecuritiesAcquired>
        <paymentDate>10/10/2023</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>08/22/2023</saleDate>
        <amountOfSecuritiesSold>18003</amountOfSecuritiesSold>
        <grossProceeds>587394.00</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>09/01/2023</saleDate>
        <amountOfSecuritiesSold>20000</amountOfSecuritiesSold>
        <grossProceeds>646518.00</grossProceeds>
      </securitiesSoldInPast3Months>
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        <sellerDetails>
          <name>Paul Xinquan Gu</name>
          <address>
            <com:street1>c/o Upstart Holdings, Inc.</com:street1>
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            <com:city>San Mateo</com:city>
            <com:stateOrCountry>CA</com:stateOrCountry>
            <com:zipCode>94403</com:zipCode>
          </address>
        </sellerDetails>
        <securitiesClassTitle>Common Stock</securitiesClassTitle>
        <saleDate>09/06/2023</saleDate>
        <amountOfSecuritiesSold>5000</amountOfSecuritiesSold>
        <grossProceeds>175106.50</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>10/02/2023</saleDate>
        <amountOfSecuritiesSold>15000</amountOfSecuritiesSold>
        <grossProceeds>427551.00</grossProceeds>
      </securitiesSoldInPast3Months>
      <noticeSignature>
        <noticeDate>10/10/2023</noticeDate>
        <planAdoptionDates>
          <planAdoptionDate>05/26/2023</planAdoptionDate>
        </planAdoptionDates>
        <signature>/s/ Myra King, as a duly authorized representative of Fidelity Brokerage Services LLC, as attorney-in-fact for Paul Xinquan Gu</signature>
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text: 144
  0001832812
  XXXXXXXX
  LIVE
  0001647639
  Upstart Holdings, Inc.
  001-39797
  2950 S. DELAWARE STREET, SUITE 300
  SAN MATEO
  CA
  94403
  (650) 204-1000
  Gu Paul
  Officer
  Director
  Common Stock
  Fidelity Brokerage Services LLC
  245 Summer Street
  Boston
  MA
  02110
  5000
  150266.00
  83887658
  10/10/2023
  NASDAQ
  Common Stock
  10/10/2023
  Stock Option Exercise
  Upstart Holdings, Inc.
  N
  5000
  10/10/2023
  Wire
  N
  Paul Xinquan Gu
  c/o Upstart Holdings, Inc.
  2950 S. Delaware Street, Suite 300
  San Mateo
  CA
  94403
  Common Stock
  08/22/2023
  18003
  587394.00
  Paul Xinquan Gu
  c/o Upstart Holdings, Inc.
  2950 S. Delaware Street, Suite 300
  San Mateo
  CA
  94403
  Common Stock
  09/01/2023
  20000
  646518.00
  Paul Xinquan Gu
  c/o Upstart Holdings, Inc.
  2950 S. Delaware Street, Suite 300
  San Mateo
  CA
  94403
  Common Stock
  09/06/2023
  5000
  175106.50
  Paul Xinquan Gu
  c/o Upstart Holdings, Inc.
  2950 S. Delaware Street, Suite 300
  San Mateo
  CA
  94403
  Common Stock
  10/02/2023
  15000
  427551.00
  10/10/2023
  05/26/2023
  /s/ Myra King, as a duly authorized representative of Fidelity Brokerage Services LLC, as attorney-in-fact for Paul Xinquan Gu