*What do the loan grades mean?

Each loan is assigned a loan grade based on its interest rate. Each loan grade is associated with a modeled default range. The loan grades range from “AAA”, which is the lowest modeled risk, to “E”, which is the highest modeled risk. All loan grades have the same modeled return. See “About the Upstart Platform—How the Upstart Platform Operates—Loan Grades and Modeled Losses and Returns.”

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