Last Updated: 04/18/2025
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Upgrade Auto Refinance Review
Key Takeaways
- Vehicle types. Upgrade Inc only refinances cars and trucks.
- Fair credit accepted. The credit score needed for Upgrade Auto Refinance is relatively low. Borrowers with a credit score as low as 620 may qualify for Upgrade Auto Refinance.
- Refinancing for large loan amounts. You can refinance auto loans of up to $65,000 with Upgrade Auto Refinance.
- Fast process. In some cases you can refinance your auto loan within 1 business day.
- No origination fee. Upgrade Auto Refinance does not charge an origination fee for processing your loan application.
- Long loan terms. Upgrade Auto Refinance offers loan terms of up to 84 months. Most auto refinancing loans have a maximum term of 60 months.
Upgrade Pros & Cons
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Upgrade FAQ
How much can you borrow via Upgrade?
What are the auto loan refinancing rates offered through Upgrade?
What is the maximum loan term you can get with Upgrade?
Does Upgrade charge an origination fee on auto refinance loans?
Does Upgrade charge a late fee?
Does Upgrade charge prepayment fees?
What do you need to qualify for Upgrade Auto Refinance?
Applicants with a credit score of at least 620 and up to 850 may be eligible for Upgrade Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- Applicants must have an active and valid personal checking account
- Recent pay stubs
- Proof of insurance
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of citizenship or residence permit
- Proof of residence
What is the estimated funding time for a car loan refinance with Upgrade?
Does Upgrade Auto Refinance report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Upgrade Inc perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.Is Upgrade Inc a legit company?
Upgrade Auto Refinance Disclosure: Auto refinance loans through Upgrade feature Annual Percentage Rates (APRs) of 6.04%-18.94%. Lowest rates require Autopay. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Eligible vehicles must be 10 years old or newer and have less than 130,000 miles (or less than 150,000 for trucks).
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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.