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Upstart Auto Refinance Review

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Reviews 25,649

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Michael Graw
Michael Graw
May. 03, 20214 min read

Upstart summary

Upstart is an online lender that offers personal loans and auto refinance loans. Auto refinance loans are available to borrowers with a credit score as low as 510, and you can borrow up to $60,000. You can check your rate and pre-qualify for an offer without impacting your credit score, and the entire application process takes place online. If you need help, you can get in touch with Upstart’s support team 7 days a week.

Pros

  • Minimum 510 credit score to qualify
  • Pre-qualify with a soft credit check
  • Phone support available 7 days a week

Cons

  • Does not allow co-borrowers
  • High 4.5% origination fee

Upstart Upstart Visit Site

Best For?

Upstart is suited for vehicle owners who have poor credit. That’s because this lender will issue auto refinance loans to borrowers with a credit score as low as 510, while many competitors require a credit score of 600 or higher. In addition, Upstart allows you to take out loans with a maximum loan-to-value ratio of 145% and doesn’t require borrowers to have a minimum income to qualify for a refinance loan.

Features

Upstart’s auto refinance loans have saved borrowers an average of $230 per year on their car payments. Any insured personal vehicle qualifies for a refinance loan as long as it’s less than 10 years old and has done fewer than 120,000 miles. Even better, you only need to have a minimum credit score of 510 to qualify for a loan. Upstart allows you to check your interest rate online and pre-qualify without impacting your credit score.

  • Borrow up to $60,000
  • No prepayment penalty
  • Check your rate without impacting your credit score
  • Available in 46 states

Application Process

Upstart’s application process is carried out entirely online. You can check your rates and pre-qualify for a loan offer by entering details about yourself and your vehicle. Upstart conducts a soft credit check which won’t impact your credit score.

If you want to accept a loan offer, you’ll need to upload supporting documents such as a paystub and proof of car insurance. Upstart typically takes between 30 and 60 days to process your loan and transfer your vehicle’s title.

Loan Types and Terms

Upstart only offers auto refinance loans for personal vehicles. You cannot use an Upstart loan to buy a new vehicle or to refinance a commercial vehicle. Note that all Upstart loans include an origination fee of 4.5%, which is deducted from your total loan amount.

  • Minimum credit score of 510
  • Maximum loan-to-value ratio of 145%
  • Vehicle must have fewer than 120,000 miles
  • Vehicle must be less than 10 years old
  • Current loan must be at least 1 month old

Repayment Options

Upstart’s auto refinance loans are designed to match the term of your current auto loan, although the company will extend your repayment period by 12 months in some cases. Upstart offers a maximum loan term of 72 months, and you cannot choose the term you receive.

How Safe Is It?

Upstart has worked with over 800,000 borrowers since the company launched in 2012. It has a 4.9-star rating on TrustPilot after more than 10,000 reviews and an A rating with the Better Business Bureau. Upstart’s online application and client portal are protected with SSL encryption to keep your information secure.

Help & Support

Upstart offers customer support by phone and email from 6 am–5 pm (PT), 7 days a week. You can also find more information about the application process in the company’s online help center.

Phone: (650) 204-1000

Email: support@upstart.com

How Upstart Compares


UpstartMyAutoLoan
APR4.99%1.89%
Minimum credit score510575
Loan amounts$9,000–$60,000$5,000–$99,000
Loan term12–72 months24–84 months
Best forBorrowers with poor creditLower monthly payments

Summary

Upstart makes it easy for vehicle owners with poor credit to refinance and save money on their auto payments. This lender requires a minimum credit score of just 510 and issues loans with a maximum loan-to-value ratio of 145%. You can borrow up to $60,000, and any personal vehicle that’s less than 10 years old and has fewer than 120,000 miles on the clock qualifies. You can apply online with Upstart, and help is available 7 days a week.

Physical Address

Upstart, 2950 S. Delaware Street, San Mateo, CA 94403

Upstart Upstart Visit Site

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Upstart
ExcellentReviews 25,649
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Trustpilot reviews

See what some costumers are saying about Upstart
Upstart
ExcellentReviews 25,649
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Excellent
97%
Great
2%
Average
0%
Poor
0%
Bad
1%
  • author
    Candace
    6 hours ago
    This was easiest process that I have…

    This was easiest process that I have experienced.

    ...

  • author
    Marlene
    7 hours ago
    This bank was easy to work with and…

    This bank was easy to work with and customer service was very friendly and helpful.

    ...

  • author
    Valerie
    7 hours ago
    This company is AWESOME!!!!

    This company is AWESOME!!!!! Funded my loan all online. Thank You!!!!

    ...

  • author
    Charles
    7 hours ago
    Quick and easy

    Quick, easy, and all the information up front.

    ...

  • author
    CS
    8 hours ago
    Fast and easy

    Fast and easy - will recommend

    ...

  • author
    mikerpdx
    9 hours ago
    The loan process was simple and fast!

    The loan process was simple and fast. I'm very pleased with my decision to go with Upstart.

    ...

  • author
    Geoffrey
    9 hours ago
    Quick and easy!

    Quick and easy!

    ...

  • author
    Diana
    9 hours ago
    The best fast and effective no run…

    The best fast and effective no run around

    ...

  • author
    Lauretta
    10 hours ago
    I loved the application process online…

    I loved the application process online except there was no person to converse with after-hours via website chat. Some documents were initially accepted and some were not, Difficult to find college diploma/transcripts,very unexpected. Clarification would of helped.

    ...

  • author
    Francisco
    10 hours ago
    Upstart review

    Easy and convenient to apply. You get your answer very fast. Funds deposit in 24 hr or less, no penalty fee for paying your loan early.

    ...

  • author
    William
    10 hours ago
    It was quick and easy to achieve my…

    It was quick and easy to achieve my goals to pay off credit cards. thank you, upstart,

    ...

  • author
    David
    11 hours ago
    Just what I needed and when I needed…

    Just what I needed and when I needed it. Easy to apply and quick approval. And LOW interest and LOW monthly payments. A+

    ...

  • author
    Jack
    11 hours ago
    response was quick and professional

    response was quick and professional

    ...

  • author
    Oreathe
    11 hours ago
    UPSTART IS GREAT FAST AND EFFECTED

    UPSTART IS GREAT FAST AND EFFECTED. THANKS FOR YOUR HELP

    ...

  • author
    Staci
    12 hours ago
    very simple

    very simple! great way to pay off high interest credit cards!

    ...

  • author
    MikeFrMI
    12 hours ago
    Easy process from start to finish

    Easy process from start to finish, they walk you through step by step and answer any questions you may have along the way. Very easy to upload any documents they require and they are quick to respond to anything you may need.

    ...

  • author
    Alese
    12 hours ago
    Upstart was very friendly and their…

    Upstart was very friendly and their loan process was very easy to understand.

    ...

  • author
    Gus
    12 hours ago
    50K in under an Hour!!!

    I applied for a loan to consolidate my credit card debt. Unbelievable that I could get approved for $50K in under an hour. This company is outstanding!!! I’m a believer!!!

    ...

  • author
    Sheila
    12 hours ago
    Easy!

    Easy!! Thank you

    ...

  • author
    Madeleine
    12 hours ago
    Online loan application process was…

    Online loan application process was quick and easy and the approval by phone was very efficient. Very pleased with the whole process during a stressful time.

    ...

  • author
    Cortney
    13 hours ago
    Quicker and easier than I thought

    Quicker and easier than I thought. I shouldn't have put it off for so long. Hoping for less stress as I pay all my credit cards off at a lower rate with just one monthly payment to balance.

    ...

  • author
    Tracie
    13 hours ago
    Really easy

    Really easy. Really quick.Thanks!

    ...

  • author
    Earl
    13 hours ago
    i received an offer in the mail

    i received an offer in the mail. i filled out the information online but did not know how to upload items. the customer service woman was very nice, very helpful and spent an 1 hour and 20 mins helping me. the information went through and i was approved, fast and easy. it was a great experience. thank you upstart

    ...

  • author
    Thomas
    13 hours ago
    Very quick and seamless process.

    Very quick and seamless process.

    ...

  • author
    Christine
    13 hours ago
    Fast

    Fast, easy, transparent.

    ...

  • author
    Floyd
    13 hours ago
    Super easy

    Super easy, speedy and very, very convenient, all of this without having to speak to anyone! There are choices to see different scenarios (yrs., amts, etc) All positive!

    ...

  • author
    Scott
    13 hours ago
    Simple

    Simple, fast, and great APR.

    ...

  • author
    Anthony Parker
    13 hours ago
    I appreciate the customer…

    I appreciate the customer representative, and the way the process was handled.

    ...

  • author
    Lucy
    14 hours ago
    Application process is so easy and…

    Application process is so easy and Funds availability is so quick and convenient!

    ...

  • author
    Joceline
    14 hours ago
    Very helpful

    Very helpful, my partner was recently in a car crash which affected him for work and Upstart was a literal miracle. So thankful I was able to receive the loan when I needed it most. Especially at the low rates they have compared to any competitors

    ...

  • author
    Shannon
    14 hours ago
    Procedure was quick and effortless

    Procedure was quick and effortless. Thank you Upstart for the ease of the process and relieving my stress. Would highly recommend.

    ...

  • author
    Jennifer
    15 hours ago
    I was very impressed with my…

    I was very impressed with my experience, I was in a pickle financially.. and read some reviews after seeing constant offers on my credit karma app. After looking up reviews, I saw Upstart had really great reviews to help get debt and credit under control. It was a quick and painless process, and I'm so excited to get my debt under control, and my credit back to a great place. I filled out an application and was approved the same day! Would very much recommend at least talking to a representative if you have questions, everyone I talked to was so friendly and helpful!!

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  • author
    Dariel
    15 hours ago
    very good

    very good, and very easy to deal with

    ...

  • author
    Flor
    15 hours ago
    IT WAS FAST AND EASY.BEEN STRESSED AND…

    IT WAS FAST AND EASY.BEEN STRESSED AND THIS HELP ALOT TO GET AHEAD ON MY BILLS.

    ...

  • author
    Anonymous
    15 hours ago
    Fast

    Fast, and easy. Would highly recommend!

    ...

  • author
    Dan
    15 hours ago
    Requested alone approved within 10…

    Requested alone approved within 10 minutes so happy thank you Dan s

    ...

  • author
    Sean
    15 hours ago
    Great experience

    Great experience, I love that everything is online, easy, and fast.

    ...

  • author
    Deborah
    15 hours ago
    I just appreciate that you give me this…

    I just appreciate that you give me this loan so I can pay off my bills

    ...

  • author
    William
    15 hours ago
    Upstart has a fast and easy process for…

    Upstart has a fast and easy process for inquiring about a loan. A few questions, fast credit check and your on your way.

    ...

  • author
    Valued Customer
    16 hours ago
    representatives were very helpful in…

    representatives were very helpful in acquire the proper documentations for the loan.

    ...

  • author
    Jonathan
    16 hours ago
    High Interest, Instand Approval

    Interest rate isn't the greatest but this loan was a quick approval to fix the issued with my vehicle and get it back on the road. I was in a bit of a pinch, so It was a great way to get a loan without having to do much leg work to go to the bank.

    ...

  • author
    Gambi
    16 hours ago
    The adage

    The adage: "Everything went through like a BREEZE" is very true with Upstart. ...Impressive! BillieG Austin, TX

    ...

  • author
    Priscilla
    16 hours ago
    I just want to say Upstart is a…

    I just want to say Upstart is a Phenomenal Blessing.

    ...

  • author
    Susan
    16 hours ago
    Upstart you saved myself and husband

    Upstart you saved myself and husband. Thank you so much!!!

    ...

  • author
    Lisa
    16 hours ago
    Upstart is so easy to work with

    Upstart is so easy to work with. It is quick and the process is simple and fast.

    ...

  • author
    Annmarie
    16 hours ago
    very fast and easy to get approve

    very fast and easy to get approve. you should definitely try it.

    ...

  • author
    William
    16 hours ago
    Exellent , fast

    Easy to navigate, fast, great service.

    ...

  • author
    Shelby
    17 hours ago
    Easy, to the point, multiple options

    Gave multiple options and laid everything out very plainly, it doesn't seem like they're trying to hide anything and doesn't pull punches. Streamlined application and definitely appreciate the initial soft inquiry.

    ...

  • author
    Ronald
    17 hours ago
    Professional and very easy to use

    Professional and very easy to use! I appreciate the opportunity! Blessings

    ...

  • author
    Grady
    17 hours ago
    Easy to use and works quickly.

    Easy to use and works quickly.

    ...

  • author
    Jose
    17 hours ago
    Always there when I need you

    Always there when I need you. Never lets me down

    ...

  • author
    Carol Hamburger
    17 hours ago
    The process was quick and easy

    The process was quick and easy. Of course interest rate is a little high but that's to be expected when credit score is not the greatest.

    ...

  • author
    Mona
    18 hours ago
    I just want to say thank you very much…

    I just want to say thank you very much I broke my ankle and had high balance on another card with accrued interest balance approaching was able to pay this card off emergency dental at an 8percecnt interest rate.

    ...

  • author
    Douglas
    18 hours ago
    Easy fast approval Awesome!!!!!!!!

    Easy fast approval Awesome!!!!!!!!

    ...

  • author
    Abraham
    19 hours ago
    easy to used

    great easy to used

    ...

  • author
    Martin
    20 hours ago
    Easy loan to get with quick service

    Easy loan to get with quick service. Looking forward to working with them in the future!

    ...

  • author
    Eduardo
    a day ago
    Made it easy to get a loan

    Made it easy to get a loan. Told you all of the cost upfront. Honestly it's a no brainer

    ...

  • author
    Alexis
    a day ago
    Excellent process

    Excellent process, really quick, they approved my loans in 5 minutes and the money will be in my account in 24 hours. I can’t believe this is too easy to get money quickly and great percentage to pay easily. I’m very happy!!!

    ...

  • author
    Mike
    a day ago
    Best loan offer and fast approval ....i…

    Best loan offer and fast approval ....i highly recommend this loan offer from credit karma

    ...

  • author
    Brian Mullins
    a day ago
    The process was quick and easy

    The process was quick and easy. Exactly what I needed for a small, short term loan.

    ...

  • author
    Jorge Felix
    a day ago
    Exelent service and atention

    Exelent service and atention

    ...

  • author
    Mario
    a day ago
    Fast and Easy

    With Upstart is fast and easy on getting the cash you need for incase of an emergency or what ever the case might be. Thanks so much Upstart life saver!! Sincerely, Mario

    ...

  • author
    Becky
    a day ago
    I appreciate the consideration and…

    I appreciate the consideration and offer. Thank you Upstart for your trust in helping me build a better credit score. I appreciate it, thank you!

    ...

  • author
    Jeffrey
    a day ago
    Awesome

    It works did what I asked them thank you

    ...

  • author
    Margie
    a day ago
    Very easy intetest high but needed to…

    Very easy intetest high but needed to consolidate credit card debt and raise credit score so if you are in a bind i suggest to use upstart

    ...

  • author
    Eric
    a day ago
    Thank you

    Thank you This experience getting a loan was the best ever.

    ...

  • author
    Lissette
    a day ago
    Just want to keep it short bye saying…

    Just want to keep it short bye saying thank you're team player so much and God Bless your all. Again thanks

    ...

  • author
    Alicia
    a day ago
    I highly recomend

    Upstart is a great financial institution to get a loan from, this is my second time getting a loan from them. The whole process is simple & easy, I would recommend them to anyone needing a loan ,in a timely manner. A few years ago we needed repairs done for our home and I just so happened to come across a letter in the mail from them. I googled them and liked what I read. Well here we are a second time needing somethings fixed around the house, and Upstart was the first thing that came to mind.

    ...

  • author
    Steve R
    a day ago
    The loan process was easy fast and I am…

    The loan process was easy fast and I am so thankful thank you thank you

    ...

  • author
    Jason
    a day ago
    Quick and easy to set up

    Quick and easy to set up. Everything explained in detail no hidden catches or fees. Simple easy and fast.

    ...

  • author
    Christina
    a day ago
    Approved in minutes

    I have been dealing with credit card debt for years. I have tried to get a debt consolidation loan through my bank multiple times and been denied. I received an email from credit karma saying I have outstanding approval odds with Upstart, so I did some research on them applied for the loan and was approved instantly. Would definitely recommend this company to anyone in a similar situation.

    ...

  • author
    Jacob
    a day ago
    It was so quick and easy

    It was so quick and easy and it will help so much to consolidate our debt. The payments overall are lower month to month and makes our debt so much more manageable

    ...

  • author
    Ruben
    a day ago
    Wow! This was really easy.

    Wow! This was really easy. I think the hardest thing was for me to say yes because I have been used to hearing no. I will absolutely be referring you to others.

    ...

  • author
    Diane
    a day ago
    Unbelievable

    It was so quick and easy and with every step, I was in charge. I liked having different options too.

    ...

  • author
    Fuller
    a day ago
    Very easy fast and clear process.

    Very easy fast and clear process.

    ...

  • author
    Franklin
    a day ago
    The process for the loan was as easy as…

    The process for the loan was as easy as it can be. Straight forward , right to the point and a seamless transaction. Thanks!

    ...

  • author
    Kimberly
    a day ago
    Very easy fast and convenient.

    Very easy fast and convenient.

    ...

  • author
    Tim
    6 hours ago
    Easy application, fast funding.

    Easy application, good rates and fast funding. Remember, get your application in before 5pm Eastern time! You can even select the day your payment is made using autopay.

    ...

  • author
    Elaine
    a day ago
    The application process was quick and…

    The application process was quick and easy and customer service was friendly and helpful. I would certainly recommend Upstart.

    ...

  • author
    Darold Turock
    a day ago
    Trust pilot is providing me an…

    Trust pilot is providing me an opportunity to expand my business this year and, with that, I will be able to manage this loan and, when I am able pay it off early to save on some of the interest costs.

    ...

  • author
    Dave
    a day ago
    Loan

    Quick and easy process

    ...

  • author
    Marianne
    a day ago
    It's quick and easy

    It's quick and easy. The interest % is fair for paying off a large purchase over time. I will be able to sleep tonight. Thank you for being there.

    ...

  • author
    Charlene
    a day ago
    excellent

    excellent They were very patient with me while i gathered my documents

    ...

  • author
    Ellen Beckham
    a day ago
    So fast and easy

    So fast and easy

    ...

  • author
    Katherine Lockwood
    a day ago
    A weight was lifted off my shoulders!

    Thank you for making this stressful process so much easier! It was great being able to compare different amounts and terms to see what fit best for me! I spent two days looking for the best option, and next time, I know where go to first!

    ...

  • author
    Douglas
    a day ago
    process was very fast all went great…

    process was very fast all went great thank-you

    ...

  • author
    James
    a day ago
    very fast and easy

    very fast and easy

    ...

  • author
    Steven
    a day ago
    This Loan by upstart

    This Loan by upstart was sent to me by Experian. A trusted sight. very easy to complete and everything went accordingly

    ...

  • author
    Tellisha
    a day ago
    Easy

    Easy, hassle free Highly recommended 👌

    ...

  • author
    Sara
    a day ago
    Upstart has been so easy and great to…

    Upstart has been so easy and great to use. I needed help to pay for funeral arrangements and was already stressed out. Upstart made the whole process easy and quick. I would recommend to anyone!

    ...

  • author
    Tammy
    a day ago
    Quick, easy, accurate

    Quick, easy, accurate process. An upload of income/paystub and received an incredibly quick response. Worth paying the finance charge to avoid bank face to face!

    ...

  • author
    James Yaiser
    a day ago
    Very helpful and professional

    Very helpful and professional

    ...

  • author
    Jeanette
    2 days ago
    I apply for a loan with upstart and…

    I apply for a loan with upstart and they responded quickly to my needs thank you.

    ...

  • author
    Laura
    2 days ago
    Easy!

    Never had such a transparent transaction from start to finish with an online lender. Upstart made it painless and easy to refinance my debt!

    ...

  • author
    Jamie
    2 days ago
    Quick and easy!

    Quick and easy!

    ...

  • author
    Stephanie
    2 days ago
    Easy

    Easy. Trustworthy. Payments don't seem overwhelming. And the auto pay helps also. Will use again if have too.

    ...

  • author
    Trent
    2 days ago
    Great fast and easy

    Great fast and easy

    ...

  • author
    Mrz. Apple
    2 days ago
    The process was relatively short

    The process was relatively short, they are transparent about fees and other loan nuances, and it did not require a bunch of scanned documents back and forth. Loan complete!!!

    ...

  • author
    Courtney
    2 days ago
    Using Upstart was so quick and easy

    Using Upstart was so quick and easy. I will definitely be using again in the future! I appreciate how everything was done and processed so quickly. Thank you!!

    ...

  • author
    StephenInFL
    2 days ago
    Of Course I'm Pleased

    Of course, I didn't want to borrow $8,500 at 29%, but no other company would consider a loan to me in the past year because of low FICA and large credit card balances. Inflation and home repairs had put us in an unhappy situation. This loan will pay off credit cards and give us some breathing room. The loan is manageable and we'll be fine. Thank you Upstart!

    ...

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