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Support Home Applying to Refinance Your Auto Loan Are loans through Upstart fixed rate or variable rate? Are loans through Upstart fixed rate or variable rate? All loans through Upstart have a fixed interest rate, which means it won't change throughout the term of the loan. Was this article helpful? 0 0 Related Questions: Why do you need my social security number? We must collect and verify your personal information, including your...… Are Upstart loans available through any car dealerships? No. Upstart currently supports the refinancing of existing auto loans...… Can I negotiate the rate or my loan terms? No, you cannot negotiate the loan terms or rate. Your...…