Is Upstart Auto Refinance the right fit for you?
Last Updated: 06/02/2026
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Highlights
Amount Range
$3,000 - $60,000
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APR (Fixed APR)
5.17% - 29.99%(Verified 07/01/2025)
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Credit Score Range
510 - 850
Loan Term (Months)
24 - 84
Upstart Auto Refinance Review
Upstart auto refinance is an auto loan refinance offering by Upstart Network, Inc., based in San Mateo, CA. Founded in 2012, Upstart Network, Inc. offers auto refinance loans in 46 states (and Washington, DC).
Key Takeaways
- Vehicle types. Upstart Network, Inc. only refinances cars and trucks.
- Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 510 are considered for Upstart Auto Refinance.
- Refinancing for large loan amounts. You can refinance auto loans of up to $60,000 with Upstart Auto Refinance.
- Hard credit pull required. You can't check your rates or see if you prequalify for Upstart Auto Refinance without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
- No origination fee. Upstart Auto Refinance does not charge an origination fee for processing your loan application.
- Long loan terms. Upstart Auto Refinance offers loan terms of up to 84 months. Most auto refinancing loans have a maximum term of 60 months.
Upstart auto refinance Pros & Cons
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Upstart auto refinance FAQ
How much can you borrow via Upstart auto refinance?
Auto refinance loan amounts start at $3,000 and go up to $60,000.
What are the auto loan refinancing rates offered through Upstart auto refinance?
Upstart auto refinance offers a fixed APR car loan refinancing product that ranges from 5.17% APR up to 29.99% APR.
What is the maximum loan term you can get with Upstart auto refinance?
Upstart auto refinance offers auto refinancing with terms ranging from 24 to 84 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 refinancing loan, the more interest you will pay.
Does Upstart auto refinance charge an origination fee on auto refinance loans?
No, Upstart auto refinance does not charge a loan origination fee for refinancing a car loan.
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount.
Does Upstart auto refinance charge a late fee?
Yes, auto refinance loans via Upstart auto refinance are subject to late payment penalty fees of up to $15 .
Does Upstart auto refinance charge prepayment fees?
No, there is no prepayment penalty.
What do you need to qualify for Upstart Auto Refinance?
Applicants with a credit score of at least 510 and up to 850 may be eligible for Upstart Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Upstart Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Upstart Auto Refinance.
To qualify, applicants may need to provide the following documentation:
- Proof of insurance
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan refinance with Upstart auto refinance?
Auto refinance loan applications are typically funded within 10 to 10 days of approval.
Does Upstart Auto Refinance report your account activity to credit bureaus?
Yes, Upstart Auto Refinance reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Upstart Network, Inc. perform a hard credit pull?
Yes, Upstart auto refinance 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 Upstart a legit company?
Upstart was founded in 2012, it is a well-established company that has been in business for 14 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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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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