After a successful rate check, you will receive potential rate and amount information. Once you choose to move forward, you may be asked to upload supporting documentation to verify the details reported in your application. Once the application process has begun, you will have 14 calendar days from the time you check your rate to fully complete your application. The review process will be contingent on when requested information and documentation are received.  

If the loan application is approved, you will receive the final rate and have the opportunity to review the final terms. If you accept the terms and sign the promissory note, we will begin the process of verifying registration details, insurance information, and updating your title with Upstart’s lienholder information. This process may take several days and may require additional action or documentation based on your state of residence. Failure to provide documentation or take necessary steps during this process may result in loan cancellation as we will not be able to guarantee our ability to place a lien successfully on the title of your vehicle or guarantee a successful payoff. Typically, your loan will originate 10 business days after the promissory note is signed and a payoff will be processed 5-10 days after the loan successfully originates. We strongly encourage our customers to continue making any outstanding payments to their current lienholder until we have confirmed a successful payoff.