Where does Up2Drive do business?

Up2Drive is a direct lender based in Hilliard, OH. It was founded in 1993 and offers auto loans in 50 states across the USA.

What APR does Up2Drive offer on its auto loans?

Up2Drive offers auto loans with APRs starting at 3.19%. Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccuate information in your credit history with these credit monitoring tools

Does Up2Drive charge an origination fee?

Yes, Up2Drive may charge a loan origination fee.

Does Up2Drive charge a late fee?

Yes, Up2Drive charges borrowers with a late payment penatly fee

Does Up2Drive charge prepayment fees?

Yes, Up2Drive does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for a loan with Up2Drive?

Up2Drive requires borrowers to have a credit score of at least 650 to apply.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs
  • Proof of income

What is the estimated funding time for an auto loan via Up2Drive?

Up2Drive will typically fund the loan within 7 business days of approval.

  • Max Loan Term (Months)
  • Institution Type
    Direct Lender
  • Credit Score Range
    650 - 850
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
  • Verification Documents Required?
    • Proof of Income
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Payment Options
    • Automatic Payments
    • Check by mail
  • Loan Amount
    $7500 - $50000
  • APR
    Starting at 3.19%
"All Annual Percentage Rates (APRs) listed are for sample purposes only and assume excellent credit history. The APRs also reflect a .50 percentage point discount for enrollment in our automatic monthly payment feature (EasyPay) that must be selected at the time of application. Credit application and approval are required. If you choose to apply and your credit application is approved, your APR, amount financed, and/or monthly payment may be higher or lower based on a number of factors, including the amount you wish to borrow, your creditworthiness, your approved loan amount, the length of your loan repayment period (loan term), vehicle age and make/model, and whether you elect to make automatic payments each month using our EasyPay feature. A representative example of the repayment terms for an up2drive loan includes the following: A loan amount of $20,000 (amount financed) with no down payment, a 9.50 % APR, and 60 monthly payments of $420.04. This example assumes excellent credit history and enrollment in EasyPay."
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