automotivereferral Support

I’ve found the vehicle I want to buy. Can I apply for a direct auto loan with Upstart?

Currently, Upstart only supports the refinancing of existing auto loans. You ma…

Are Upstart loans available through any car dealerships?

No. Upstart currently supports the refinancing of existing auto loans only. You m…

Can I apply for a second auto loan with Upstart?

If you currently have an auto loan from Upstart, in order to be eligible for anot…

How will applying to refinance my loan affect my credit?

Checking your rate with Upstart Auto Refinance will not affect your credit score.…

What is the range of interest rates offered on loans, and what is the difference between APR and interest rate?

All Upstart auto refinance loans offer a fixed rate, but individual rates are det…

Can I change my loan application after submitting it?

You will not be able to edit your application once it is submitted. Please verify…

What must I agree to in order to receive a loan?

In order to refinance your loan, you must agree to the Borrower Platform Agreeme…

How are interest payments calculated?

Upstart uses simple interest to calculate interest payments. A specific interest …

How do I apply to refinance my auto loan?

Please complete the brief online application, which will include information abou…

What is the difference between a soft and hard credit inquiry?

There are two kinds of inquiries (or pulls) that can occur on your credit report:…

Can I negotiate the rate or my loan terms?

No, you cannot negotiate the loan terms or rate. Your rate is generated by our mo…

Why do you need my social security number?

We must collect and verify your personal information, including your date of birt…

What fees am I charged?

Fee Amount Frequency Description Late Payment Fee The greater of 5% of monthly …

Are loans through Upstart fixed rate or variable rate?

All loans through Upstart have a fixed interest rate, which means it won't change…

What’s the difference between a co-borrower and a co-owner? Does Upstart allow either?

A co-borrower is someone who is jointly responsible for repaying your loan, while…

What are the insurance coverage requirements to qualify?

Upstart requires a valid and current insurance policy. Applicants must have a pol…

Does Upstart provide gap insurance?

Upstart does not offer this type of insurance. If you had GAP insurance on your p…

Can I refinance a commercial vehicle? How about a vehicle used for commercial purposes?

Upstart does not support auto loan refinancing for commercial vehicles. Upstart m…

How is my loan amount determined?

Your loan balance is estimated using information from your credit report and is n…

How long is the application process?

After a successful rate check, you will receive potential rate and amount informa…

Can I get cash out when I refinance?

No, you may refinance your auto loan to lower your monthly payment or reduce the …

What do I need to do after my application is approved?

After your application is approved, Upstart will work to pay off your prior lien …

How to Calculate Your Self Employed Income

If you’re self-employed and you’d like to use your income from this job as the in…

What can I expect when I apply?

Applying for a loan begins with submitting a rate inquiry on Upstart's website. I…

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