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Last Updated: 04/18/2025

Up2Drive Auto Loan

in Auto Loans from Up2Drive

Last Updated: 04/18/2025

Up2Drive Auto Loan logo
Mostly recommended7 total votes
3 users recommend
1 users are unsure
3 users don't recommend
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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

7
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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 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.

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.
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 of approval.

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."

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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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5550 Britton Pkwy
Hilliard, OH 43026
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