Lending news and trends

Upstart Seeks Regulatory Blessing to Become a Bank

March 11, 2026
Upstart
Private Credit’s Gold Rush Draws Regulators and Bank Warnings
Loans // March 05, 2026

Private credit has evolved from a niche financing tool to a fixture of modern capital markets, and as it expands, banks, regulators and investors are taking a closer look at the risks embedded within that lending class. Get the Full Story Complete the form to...

As Credit Demand Accelerates, Issuers Face an Infrastructure Reset
Payments Innovation // March 03, 2026

Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to receive marketing communications from PYMNTS and...

OpenAI and Cisco Back Standards to Scale Agentic AI
artificial intelligence // February 16, 2026

Right alongside the immense promise of agentic AI is the issue of trust. CFOs, according to PYMNTS Intelligence, are gaining it. So are consumers. As the issue of trust continues to present itself, the more useful argument is how to overcome those issues. Get the...

SoFi Scales Cross-Selling as Loan Originations Hit Records
Earnings // January 30, 2026

SoFi’s platform strategy was a centerpiece of fourth-quarter earnings on Friday (Jan. 30): Bring in members, persuade them to adopt multiple products, and let lending, payments and technology revenue compound. Get the Full Story Complete the form to unlock this article and enjoy unlimited free...

Interviews & Exclusives
Private Credit’s Gold Rush Draws Regulators and Bank Warnings

March 05, 2026
Private credit has evolved from a niche financing tool to a fixture of modern capital markets, and as it expands, banks, regulators and investors are taking a closer look at the risks embedded within that lending class. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all […]

OpenAI and Cisco Back Standards to Scale Agentic AI

February 16, 2026
Right alongside the immense promise of agentic AI is the issue of trust. CFOs, according to PYMNTS Intelligence, are gaining it. So are consumers. As the issue of trust continues...

Eight in 10 Small Businesses Want Credit and on Their Terms

January 23, 2026
Small businesses are sending lenders the message that credit is broadly within reach, so the real fight is over flexibility and control. Get the Full Story Complete the form to...

Colorado Court Ruling Puts BNPL Lending Models Under Fresh Pressure

November 19, 2025
Buy now, pay later (BNPL)’s rapid expansion across retail, travel, healthcare and even everyday essentials has made it one of the fastest-growing credit products in the United States, but its...

Quick Reads
Upstart Seeks Regulatory Blessing to Become a Bank

March 11, 2026
Digital lender Upstart has become the latest U.S. FinTech seeking a banking charter. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to receive marketing communications […]

CFPB and DOJ Say Creditors Can Consider Borrowers’ Citizenship Status

January 12, 2026
The Consumer Financial Protection Bureau and the Department of Justice withdrew a 2023 joint statement that warned lenders not to look at an applicant’s immigration status when considering extending credit....

Experian Adds Commercial Data to Ascend Lender Platform

January 05, 2026
Experian made its commercial data information available through its Ascend platform. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS...

Interest Rate Sticker Shock Drives Record Auto Loan Delinquencies

December 22, 2025
Since 2010, auto loans have gone from being the safest credit products to the riskiest. Get the Full Story Complete the form to unlock this article and enjoy unlimited free...