Upstart
Benefits at Upstart
Upstart is a digital-first company, which means that most Upstarters can live and work anywhere in the U.S. We also offer in-person work options from our offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City (opening Summer 2026). At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: -Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly -Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year -Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees -Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose -Health Savings Account contributions from Upstart for eligible plans -Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage -Paid time off, sick and safe time, and company holidays -Paid family and parental leave to support caregiving and major life moments -Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving -Employee Assistance Program (EAP) offering mental health support and life-centered resources -Financial wellness resources, including access to financial planning tools and a financial concierge service -Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you -Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from -Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) -Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).
Financial + Retirement
401(K)
401(K) matching
Company equity
Employee stock purchase plan
Performance bonus
Pay transparency
Child Care + Parental Leave
Adoption Assistance
Company sponsored family events
Family medical leave
Generous parental leave
Return-to-work program post parental leave
Fertility benefits
Office Perks
Company-sponsored outings
Fitness stipend
Free daily meals
Company-sponsored happy hours
Onsite office parking
Recreational clubs
Relocation assistance
Free snacks and drinks
Home-office stipend for remote employees
Mother's room
Professional Development
Continuing education stipend
Job training & conferences
Mentorship program
Online course subscriptions available
Promote from within
Lunch and learns
Virtual coaching services
Health Insurance + Wellness
Dental insurance
Disability insurance
Flexible Spending Account (FSA)
Health insurance
Life insurance
Vision insurance
Wellness programs
Mental health benefits
Culture
Flexible work schedule
Open door policy
Open office floor plan
Remote work program
Team based strategic planning
OKR operational model
Employee resource groups
Employee-led culture committees
Hybrid work model
In-person all-hands meetings
We have weekly company all-hands meetings via Zoom featuring company updates and Q&A with leads and founders. Teams also have in-person all-hands during onsite events at office locations.
Vacation + Time Off
Generous PTO
Paid holidays
Paid sick days
Unlimited vacation policy
Flexible time off
Bereavement leave benefits
Diversity
Highly diverse management team
Mandated unconscious bias training
Diversity employee resource groups
Hiring practices that promote diversity
