Upstart Auto Refinance
Upstart Auto Refinance
in Auto Loan Refinancing from Upstart

Upstart Auto Refinance

in Auto Loan Refinancing from Upstart
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Credit Score Range 510 - 850
Loan Amount $9,000 - $60,000
APR  (Fixed APR) 2.25% - 29.99%
(Verified 08/26/2022)
Loan Term (Months) 24 - 84 months

Upstart Auto Refinance Review

Upstart auto refinance is an auto loan refinance offering by Upstart, based in San Carlos, CA. Founded in 2012, Upstart offers auto refinance loans in 46 states (and Washington, DC).

Key Takeaways

  • APRs starting at 2.25%. The starting rates for Upstart Auto Refinance are on the lower end of the spectrum.
  • Vehicle types. Upstart 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.
  • Vehicle requirements. Vehicles must have less than 140,000 miles and a maximum age of 10 years.
  • 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

Pros Cons
  • Low APRs available to qualified borrowers.
  • Available in 46 states.
  • $0 prepayment fee.
  • Loan options with $0 origination fee.
  • Considers applicants with fair credit.
  • Considers older vehicles (max. 10 years)
  • APRs as high as 29.99%.
  • Do not offer pre-approval with soft credit pull.
  • Charges a late fee.

Upstart auto refinance FAQ

How much can you borrow via Upstart auto refinance?

Auto refinance loan amounts start at $9,000 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 2.25% 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, which is triggered if you're 10 days late.

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. Upstart Auto Refinance only considers borrowers who are employed.

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 Upstart Auto Refinance. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Upstart Auto Refinance. Permanent resident / green card holders are also eligible to apply.

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

  • Proof of insurance
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit

What is the maximum mileage to refinance with Upstart?

Upstart is an option for high-mileage vehicles. They will consider car loan applications for vehicles with up to 140000 miles on the odometer.

What is the maximum car age to refinance with Upstart?

Only vehicles that are 10 years old or less can qualify for an auto refinance.

What is the estimated funding time for a car loan refinance with Upstart auto refinance?

Auto refinance loan applications are typically approved (or denied) within 1 hour and funded within 10 to 10 days of approval.

Does Upstart Auto Refinance report your account activity to credit bureaus?

Yes, Upstart Auto Refinance reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

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Message From Upstart auto refinance

Our mission is to enable effortless credit based on true risk.

Why? Because credit really matters. Money is a fundamental ingredient of life, and unless you’re one of the few percent of Americans with significant wealth, the price of borrowing affects you every day. Throughout history, affordable credit has been central to unlocking mobility and opportunity.


  Available in 46 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

Application Fee $0
Late Fee Amount Starting at $15
Late Fee Grace Period 10 days
No Origination Fee
No Prepayment Fee
Origination Fee (%) 0%
Credit Score Range 510 - 850
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Maximum Mileage 140,000
Maximum Vehicle Age 10
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Vehicle Type Auto
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Proof of Insurance
  • Government Issued Photo ID
  • Social Security Number
Approval Speed 1 hour
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Funding Time Range 10 days
Payment Options Automatic Payments
APR (Fixed APR) 2.25% - 29.99%
(Verified 08/26/2022)
APR Type Fixed APR
Loan Term 24 - 84 months
Loan Amount $9,000 - $60,000

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