Auto Loans
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Last Updated: 04/18/2025
SuperMoney User Recommendation Score 0
Mostly recommended7 total votes
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Highlights
Community Rating
Mostly recommended
Amount Range
$7,500 - $50,000
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APR
Starting at 3.19%(Verified 06/21/2024)
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Credit Score Range
650 - 850
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Loan Term (Months)
Up to 72
Number of Reviews
Up2Drive Auto Loan Review
Up2Drive Auto Loan is offered by Up2Drive, a direct lender founded in 1993 and based in Hilliard, OH. Up2Drive are available in 50 states.
Up2Drive FAQ
How much can you borrow via Up2Drive?
Up2Drive loan amounts start at $7,500 and go up to $50,000.
What APR does Up2Drive offer on its car loans?
Up2Drive offers an car loan product that ranges from 3.19% APR.
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 inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with Up2Drive?
Up2Drive has car loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car 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 penalty 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.
Can I pay off early my Up2Drive loan?
Yes, you can. However, Up2Drive charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.
What do you need to qualify for Up2Drive Auto Loan?
Applicants with a credit score of at least 650 and up to 850 may be eligible for Up2Drive Auto Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Up2Drive Auto Loan does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Proof of income
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan via Up2Drive?
Up2Drive will typically fund the car loan within 7 business days.Does Up2Drive perform a hard credit pull?
Yes, Up2Drive performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Up2Drive a legit company?
Up2Drive was founded in 1993, it is a well-established company that has been in business for 33 years. Up2Drive Auto Loan is mostly recommended by SuperMoney community users.
Up2Drive Auto Loan 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."
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of 0, or 3 on a 5-point rating scale.
0
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No one recommends
Everyone recommends
Up2Drive Auto Loan Community Reviews
Would you recommend Up2Drive Auto Loan to your friends?
HE
Henry E.
Sep 11, 2019
May or may not recommend
Up2drive was one of the few lenders willing to take a chance on me as a young man. They also offered me the best interest rate out of the few offers I received, only 3%. They later sold my loan to Satander, but thankfully I actually pay attention to the letters I receive in the mail so I've never missed a payment. In fact I've never had a single issue ...Show More
Lorena P.
Oct 9, 2018
May or may not recommend
I got a lower interest rate and lower monthly payments
Nick V.
Jul 19, 2018
May or may not recommend
I come on here not knowing what to expect and the first review echos EXACTLY what just happened to me. I ALWAYS pay ahead with their EZPAY and went paperless... no email or any notice and before I knew it my car was being towed out of my driveway at 6 am. They had sold my loan to Santander and I missed three payments with no notice and ...Show More
U
Anonymous
Nov 6, 2017
May or may not recommend
Up2drive refinanced my loan quickly and saved me 3% interest. It was easy, fast and they were very attentive to my needs. I had 8 months of payment history as a good payer and was approved in less than 24 Hours.
U
Anonymous
Jul 20, 2017
May or may not recommend
Got an email saying the loan is denied. Well, it was the first time in my life Id heard of your company, never apply any loan. I always use my credit union and ALWAYS get approve.
U
Anonymous
Sep 8, 2016
May or may not recommend
I GOT TURNED DOWN FOR AN AUTO LOAN THAT I DIDN'T EVEN APPLY FOR!!!!
Now there's a resultant ding on my credit bureau report. I will have to waste time getting it off.
I called them, but they insist that they can't do anything to help.
As others have said, these people are nothing but SCAMMERS!
I gave 1 star because it is not possible to give them a ZERO
U
Anonymous
May 22, 2015
May or may not recommend
I loved working with the staff at Up2Drive. They were all very knowledgeable about the loan products and super friendly to my husband and I. It was one of the best auto loan experiences I've ever had, and I've had quite a few. I really couldn't be happier and recommend them to everyone.
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