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        <com:city>SAN MATEO</com:city>
        <com:stateOrCountry>CA</com:stateOrCountry>
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      </issuerAddress>
      <issuerContactPhone>(650) 204-1000</issuerContactPhone>
      <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>Gu Paul</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Officer</relationshipToIssuer>
        <relationshipToIssuer>Director</relationshipToIssuer>
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      <brokerOrMarketmakerDetails>
        <name>Charles Schwab &amp; Co., Inc.</name>
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          <com:street1>3000 Schwab Way</com:street1>
          <com:city>Westlake</com:city>
          <com:stateOrCountry>TX</com:stateOrCountry>
          <com:zipCode>76262</com:zipCode>
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      <noOfUnitsOutstanding>89513590</noOfUnitsOutstanding>
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      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
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      <paymentDate>08/20/2024</paymentDate>
      <natureOfPayment>Equity Compensation</natureOfPayment>
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      <saleDate>05/20/2024</saleDate>
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      <grossProceeds>378478.00</grossProceeds>
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      <saleDate>07/01/2024</saleDate>
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        <name>Paul Gu</name>
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          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
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      <securitiesClassTitle>Upstart Holdings, Inc.</securitiesClassTitle>
      <saleDate>07/11/2024</saleDate>
      <amountOfSecuritiesSold>10000</amountOfSecuritiesSold>
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        <name>Paul Gu</name>
        <address>
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          <com:zipCode>94403</com:zipCode>
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      <saleDate>07/15/2024</saleDate>
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      <amountOfSecuritiesSold>35000</amountOfSecuritiesSold>
      <grossProceeds>1296245.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <remarks>Shares sold to cover tax obligation from settlement of vested Restricted Stock Units.</remarks>
    <noticeSignature>
      <noticeDate>08/20/2024</noticeDate>
      <signature>PAUL GU</signature>
    </noticeSignature>
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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
Charles Schwab & Co., Inc.
3000 Schwab Way
Westlake
TX
76262
16064
615486.00
89513590
08/20/2024
NASDAQ
Common
08/20/2024
Restricted Stock Lapse - See Remarks
Upstart Holdings, Inc.
N
16064
08/20/2024
Equity Compensation
N
Paul Gu
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
05/20/2024
15131
378478.00
Paul Gu
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
06/03/2024
15000
378002.00
Paul Gu
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
07/01/2024
5000
117591.00
Paul Gu
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
07/11/2024
10000
258765.00
Paul Gu
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
07/15/2024
10000
300541.00
Paul Gu
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
08/15/2024
35000
1296245.00
Shares sold to cover tax obligation from settlement of vested Restricted Stock Units.
08/20/2024
PAUL GU