Up2Drive Auto Loan

Up2Drive Auto Loan

in Auto Loans from Up2Drive


Up2Drive Auto Loan


in Auto Loans from Up2Drive

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Mostly recommended

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3 users don't recommend
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Community Rating Mostly recommended
Credit Score Range 650 - 850
Loan Amount $7,500 - $50,000
APR Starting at 3.19%
Loan Term (Months) Up to 72 months
Number of Reviews 7

Up2Drive Auto Loan Review

Up2Drive Auto Loan is offered by Up2Drive, a direct lender founded in 1993 and based in Hilliard, OH. Up2Drive Auto Loan is available in 50 states across the USA.

Up2Drive Auto Loan FAQ

How much can you borrow via Up2Drive Auto Loan?

Up2Drive Auto Loan auto loan amounts start at $7,500 and go up to $50,000.

What APR does Up2Drive Auto Loan offer on its auto loans?

Up2Drive Auto Loan offers an auto 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 loan term you can get with Up2Drive Auto Loan?

Up2Drive Auto Loan 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 Auto Loan charge an origination fee?

Yes, Up2Drive Auto Loan may charge a loan origination fee.

Does Up2Drive Auto Loan charge a late fee?

Yes, Up2Drive Auto Loan charges borrowers with a late payment penatly fee

Does Up2Drive Auto Loan charge prepayment fees?

Yes, Up2Drive Auto Loan 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 Auto Loan loan?

Yes, you can. However, Up2Drive charges a prepayment fee if you pay your auto loan early. This fee could reduce or eliminate the savings from paying the auto 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. Up2Drive Auto Loan only considers borrowers who are employed. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Up2Drive Auto Loan. Their rates fall within the limits of The Military Lending Act.

Permanent resident / green card holders are also eligible to apply.

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

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

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

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

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: 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.


  • Headquarters
  •   5550 Britton Pkwy
    Hilliard, OH 43026 USA
  •   Visit Site

About Up2Drive Auto Loan


  Available in 50 states
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered U.S. Permanent Resident
Joint Loan Applications Accepted Cosigner
Military Status
  • Active Duty Military
  • Non-Military
Minimum Age 18
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Income
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Credit Score Range 650 - 850
Loan Amount $7,500 - $50,000
APR Starting at 3.19%
Loan Term Up to 72 months

Up2Drive Auto Loan Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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