A hand putting a bill into a mailbox.

The ad opens with a hand putting a bill into a mailbox, then transitions to a person holding a credit card and a wallet. A woman then appears on screen, speaking directly to the viewer. She is shown sitting on a couch, then looking at her phone, and then on a laptop. The ad shows close-ups of a phone screen displaying the Upstart website and money being put into a jar. The woman is shown again, smiling and holding money, then walking on a beach at sunset. The final scenes show the woman speaking to the camera again, and then a phone screen with the Upstart app.