in Auto Loans
Mostly not recommended
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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.
How much can you borrow via Up2Drive?
Up2Drive auto loan amounts start at $7,500 and go up to $50,000.
What APR does Up2Drive offer on its auto loans?
Up2Drive has a variable APR starting at 3.19%.
What is the maximum loan term you can get with Up2Drive?
Up2Drive has auto loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.
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?
Applicants with a credit score of at least 650 can apply for a loan via Up2Drive. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.
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.
UP2DRIVE Disclosure: "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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5550 Britton Pkwy
Hilliard, OH 43026 USA
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- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
- Active Duty Military
- Employed Full-Time
- Employed Part-Time
- U.S. Permanent Resident
- Proof of Income
- Recent Pay Stubs
- Driver License (or other photo ID)
- Proof of citizenship/residence (Green Card)