Harborstone Credit Union, a member-owned cooperative with over 120,000 members and approximately $3.0 billion in assets serving communities across Washington, has partnered with Upstart (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, to support its members and continued growth in personal lending.
“Harborstone has a long history of improving the financial wellness of our members while embracing innovation to expand access to affordable credit,” said Robert Luettjohann, chief lending officer at Harborstone Credit Union. “Partnering with Upstart allows us to invest in high-quality personal loans and deliver a modern, digital borrowing experience to more members across Washington and the communities we serve.”
Harborstone started lending as a partner on the Upstart Referral Network in February 2026. As part of the Upstart Referral Network, qualified personal loan applicants on Upstart.com who meet Harborstone’s credit policies receive tailored offers as they seamlessly transition into a Harborstone-branded experience to complete the online member application and closing process.
In 2025, Harborstone also invested in whole personal loans originated through Upstart’s AI-powered marketplace. By combining loan purchases with direct originations through the Upstart Referral Network, Harborstone is aligning its capital deployment strategy with a modern, all-digital personal lending offering.
“We’re excited to welcome Harborstone Credit Union to the family of Upstart lending partners,” said Ed Walters, vice president of lending partnerships at Upstart. “Harborstone’s investment and launch of personal lending through Upstart reflects a forward-looking growth strategy — one that pairs balance sheet strength with a modern, AI-powered digital experience for borrowers.”