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Upstart Auto Refinance Review

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Reviews 39,561

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Michael Graw
Michael Graw
Aug. 13, 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
Upstartat a glance
3.8

Editorial score

Online experience

Good online resources, but no access to rates

4.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

4.0

Loan Types

Niche lender

3.0

Repayment Flexibility

Only offers immediate repayment & limited repayments plans

3.0

Eligibility (credit score)

Accepts all credit types

5.0

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 39,561
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Trustpilot reviews

See what some costumers are saying about Upstart
Upstart
ExcellentReviews 39,561
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Excellent
97%
Great
2%
Average
0%
Poor
0%
Bad
1%
  • author
    Robert
    8 hours ago
    Quick process!

    Very quick process and I knew right away if I was approved or not.

    ...

  • author
    Stacie
    15 hours ago
    Fast, easy and convenient

    Easiest process, fast and friendly system. funds within one day.

    ...

  • author
    Tom Huynh
    17 hours ago
    A* i love ir

    -just looking!! I have been steadily looking, I would to get into a nice quiet for me and something a him that I can afford and fall in love with it

    ...

  • author
    Ellen
    17 hours ago
    It was effortless experienced

    It was effortless experienced. No hassle and reliable with great interest offer to pay my high interest rate on credit cards in Citi card.

    ...

  • author
    RWilliams
    18 hours ago
    Amazingly quick, simple and thorough process

    The process was thorough and I felt totally secure with my online interactions with them. I received email responses promptly as well. I've been a family member of Sharonview for decades and this partnership with Upstart made getting a loan very simple and fast. I received approval the same day and the funds within two days. They are amazing! Thanks a bunch!

    ...

  • author
    Hector
    19 hours ago
    Quick and easy!

    The entire process was quick, easy and stress-free. The site is very user friendly and easy to navigate. I thought it would be a lot more difficult and complicated, but my experience was pretty great. Thanks!

    ...

  • author
    Juanita
    20 hours ago
    My experience was excellent

    My experience was excellent, quick, and no hassle. The information was clear and it was very simple. I felt confident all the way through the process.

    ...

  • author
    Carrie
    20 hours ago
    Fast approval

    Fast approval. Smooth process.

    ...

  • author
    Kemi Ademilola
    20 hours ago
    I had an excellent experience with…

    I had an excellent experience with upstart.

    ...

  • author
    Debra
    20 hours ago
    Easy

    This seemed to go very smoothly.

    ...

  • author
    Mark
    20 hours ago
    Very fast no problems

    Very fast no problems. Easy to navigate.

    ...

  • author
    Theresa
    21 hours ago
    This is my second loan with Upstart

    This is my second loan with Upstart. Easiest experience ever! so fast and understandable

    ...

  • author
    Darryl Natelli
    a day ago
    Easy and quick to use

    Easy and quick to use. No long approval process

    ...

  • author
    Kathleen
    a day ago
    Ease of use and explanations of forms.

    Ease of use and explanations of forms.

    ...

  • author
    Ken K1ken Wisell
    a day ago
    Very easy process from the beginning

    Very easy process from the beginning. I would recommend.

    ...

  • author
    Karen
    a day ago
    Easy to apply and quick response.

    Easy to apply and quick response.

    ...

  • author
    Pamela
    a day ago
    Good way to build credit

    Good way to build credit. Know within minutes of applying

    ...

  • author
    Michael
    a day ago
    Wanted to consolidate credit card debt…

    Wanted to consolidate credit card debt for me and my wife. Made it a very easy and efficient process.

    ...

  • author
    Christopher
    a day ago
    This was a very pleasant experience

    This was a very pleasant experience! Very easy application, and the ability to upload just a few documents. The ability to choose different terms and loan amounts made it very easy to navigate. I would recommend this to friends and families members

    ...

  • author
    Hector
    a day ago
    Seamless Procedure

    Seamless procedure, reasonable information gathering and speedy and accurate process. I always choose Credit Unions over banks, especially military ones.

    ...

  • author
    Cory
    a day ago
    Better than any other loan provider

    Upstart came through in a time of need for me and helped me survive when I needed it.

    ...

  • author
    Patrick
    a day ago
    Ease of the process

    Ease of the process

    ...

  • author
    Michelle
    a day ago
    it's real and easy

    easy process and auto funding in your account

    ...

  • author
    Daniel
    a day ago
    User friendly

    User friendly, easy to understand

    ...

  • author
    Emily
    a day ago
    A costumer service provider

    A costumer service provider, Joshua was truly amazing! He took the time to make sure everything on my application was correct and did whatever he could to help me!

    ...

  • author
    Terri
    a day ago
    Help desk representatives put the "help" in help desk!

    Very easy process-2nd loan with Upstart

    ...

  • author
    JLG
    a day ago
    Easiest loan process

    Easiest loan process.

    ...

  • author
    Angelica
    a day ago
    I needed money to relocate fast and I…

    I needed money to relocate fast and I literally got approved at a decent rate within minutes and with just a few clicks.

    ...

  • author
    Hannah
    a day ago
    Ease of use and transparency.

    Ease of use and transparency.

    ...

  • author
    Joshua
    a day ago
    Easy to apply and understand all the…

    Easy to apply and understand all the terms and conditions.

    ...

  • author
    KDH
    a day ago
    I was nervous since this was my first…

    I was nervous since this was my first every loan. But I really needed to get my payments in order and I knew I wanted it through Upstart. The process was AMAZINGLY fast, safe and amazing.

    ...

  • author
    Brian
    2 days ago
    Easy to navigate

    Easy to navigate, and hh$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$!!!!!!!!$&&&&&&

    ...

  • author
    Marieange
    2 days ago
    This process was fast & easy

    This process was fast, and easy with the terms clearly outlined. Credit cards will be paid off in no time!

    ...

  • author
    Stephane E
    2 days ago
    Fast, Easy, Fair.

    Very user friendly interface! Got my loan the next day. Fair servicer. Thank you so much. As a recent college graduate, I needed this for consolidation.

    ...

  • author
    Mi Kyung
    2 days ago
    It's a terrible help to us

    It's a terrible help to us I apply $15,000.00 they saying They gonna take the money $1,500.00 from my financial amount Then I can get money $13,500.00 How to payment !! And Interest 36.56% with+ interest for 15000 Amount +26.75% payment 3 years So they gonna 1500 + interest +interest =8,441 And I gonna paying for I get the 13500 mean is 15000 So I have to pay 15000+5,484+1467=21,961+1,500 = So total I have to 652 36 times

    ...

  • author
    Julius
    2 days ago
    Fast

    Fast, professional and would recommend to my friends and family

    ...

  • author
    Michael
    2 days ago
    This was a very easy and great…

    This was a very easy and great experience. I will recommend to all my friends and family.

    ...

  • author
    customerManny
    2 days ago
    Very easy and quick process

    The process is very easy! Very quick!

    ...

  • author
    Charles Prinzivalli
    2 days ago
    Quick and easy experience.

    Quick and easy experience.

    ...

  • author
    Ginger Rice
    2 days ago
    Amazingly simple process & this is from…

    Amazingly simple process & this is from a person who doesn't really do internet well!

    ...

  • author
    Anon.
    2 days ago
    I applied for a loan online and I was…

    I applied for a loan online and I was approved in minutes. The process was very convenient and easy.

    ...

  • author
    Milagros
    2 days ago
    Easy to apply felt confident that the…

    Easy to apply felt confident that the information was being safeguarded. I had a positive experience.

    ...

  • author
    Jack
    2 days ago
    Seamless process and unmatched customer…

    Seamless process and unmatched customer service.

    ...

  • author
    Richard
    2 days ago
    Upstart was very easy and upfront about…

    Upstart was very easy and upfront about the loan process! Thank you for being there when I needed you!

    ...

  • author
    Stacy
    2 days ago
    Applying for a loan was quick and easy

    Applying for a loan was quick and easy, it really took all of the stress off of the current situation.

    ...

  • author
    Jodie G
    2 days ago
    Ease of use and ability to complete…

    Ease of use and ability to complete application and loan approval in less than 15 minutes

    ...

  • author
    Rachel
    2 days ago
    The application process is simple

    The application process is simple. The rates are fair. Time will tell if the overall customer service experience is as great as the rest of the process.

    ...

  • author
    Amada
    2 days ago
    Process was great

    Process was great! Fast and easy! Thank you!

    ...

  • author
    Tom B.
    2 days ago
    5 Star Experience

    Process was simple from start to finish! Loan details were clear, concise, customizable and easy to understand. Received a fair rate, considering the market conditions, and the portal to the partner financial institution worked without a hitch! Would recommend to anyone looking to consolidate high interest credit card debt, thanks!

    ...

  • author
    SHERIWANA SANFORD
    2 days ago
    It doesn't take long to get approval

    It doesn't take long to get approval, the process is very easy and the paperwork is very easy steps as well.

    ...

  • author
    Joe
    2 days ago
    Fantastic Service !

    This was truly an amazing, quick, PAINLESS service. Not only was it the best rate in town by a huge margin but the application and funding was quick and very easy,

    ...

  • author
    RJO
    2 days ago
    Very quick approval

    Very quick approval. Just make sure you read the fine print. But overall experience was great!

    ...

  • author
    Kimberly
    2 days ago
    So easy

    So easy ! Fast and I never had to talk to anyone! Thank you!!

    ...

  • author
    Andrew Kelley
    2 days ago
    The overall ease and convenience.

    The overall ease and convenience.

    ...

  • author
    Byron
    2 days ago
    real easy to navigate

    real easy to navigate. fast and upfront. all the information was online

    ...

  • author
    Jaymes
    2 days ago
    Reasonable rates for honest people

    Upstart has helped my family out with unexpected costs and needs at rates that maybe higher than a conventional loan but much cheaper than credit cards when you have less than perfect credit but have a history of payment and steady income. I can't thank them enough.

    ...

  • author
    Kevin
    2 days ago
    Easy application process!!

    Easy application process!!, rate interest rate, current rates considered....

    ...

  • author
    Joanne
    2 days ago
    Super easy to get the loan funded

    Super easy to get the loan funded. Very easy navigation.

    ...

  • author
    A2
    2 days ago
    Deciding to consolidate debt was a…Difficult decision with multiple options

    Deciding to consolidate debt was a decision that I did not make lightly. I started by comparing rates through lending tree and then evaluating responses. I chose Upstart because of the rate and the simplicity of the process. I appreciate the fact that everything was done electronically. Also, that Upstart did not contacted me by phone or text repeated as did other companies. If I find the need for financial assistance in the future Upstart will be my first contact. Thank you. Chad

    ...

  • author
    Joe
    2 days ago
    Great !!

    Great !!! Quick...Easy and informative.....

    ...

  • author
    Patrick
    2 days ago
    Very easy and convenient to work with Upstart

    Very easy and convenient to work with Upstart

    ...

  • author
    Patty
    2 days ago
    This was a quick and painless loan

    This was a quick and painless loan. I don't have bad credit, I just have too much of it. So I needed help getting a loan for home repairs. Upstart helped me with that. Thank you!!

    ...

  • author
    Rebecca
    2 days ago
    Upstart is amazing to work with

    Upstart is amazing to work with. They have helped me so much. So easy to apply. I will continue to do business with them in the future. I recommend Upstart to anyone.

    ...

  • author
    Tracy-Fordville,ND
    2 days ago
    They have just made it so easy to get…

    They have just made it so easy to get the money that is needed right away.

    ...

  • author
    Cristhian
    2 days ago
    Excellent service

    Excellent service. Very easy transition to go through the process.

    ...

  • author
    NA
    3 days ago
    Ghosted after interview

    I applied and did a phone interview, everything went great. I was told I would recieve a call back the next day and never did. I emailed the recruiter twice and never heard back, completely ghosted.

    ...

  • author
    LBarton
    3 days ago
    Loan was easy to obtain and quick

    Loan was easy to obtain and quick. Web site was easy to navigate and walked you through process. Emails were right on time. Great customer service. I liked the fact they gave me 3 offers to choose from.

    ...

  • author
    Erik
    3 days ago
    Quick and easy

    Quick and easy. Great user interface. Helpful resource.

    ...

  • author
    Lori
    3 days ago
    Very smooth process

    The interest rate is less than the charge cards I have so I am going to be able to consolidate my payments to one monthly payment!

    ...

  • author
    kevin McCray
    3 days ago
    Unfair practices

    Unfair practices

    ...

  • author
    Kelli
    3 days ago
    Upstart was so easy

    Upstart was so easy, they were quick and efficient with my request, their response, and the funding of my loan! I appreciate how simple it was to navigate this process and for their huge assist on giving me an assist on taking care of my finances. I'd recommend them to anyone.

    ...

  • author
    Denise
    3 days ago
    The process was seamless and quick

    The process was seamless and quick. Would most definitely recommend

    ...

  • author
    Barbara Campbell
    3 days ago
    Loans made easy

    This is the second time I have used upstart, and I have to say it was the easiest loan I’ve ever applied for on line. Everything was simple to understand. I will gladly recommend them to anyone.

    ...

  • author
    Ashley
    3 days ago
    Life-saver

    Upstart thoroughly checked through everything without damaging my credit score and gave me excellent loan options for my consolidation loan. This made an amazing start to my week! I feel so much better to know that I’ve lowered my monthly payments through such a simple, streamlined process. It took under ten minutes for me to go through it all. Incredible.

    ...

  • author
    William L Schwab
    3 days ago
    Quick and easy.

    They make the process simple and user-friendly.

    ...

  • author
    Brad
    3 days ago
    Easy, trouble free, simple

    This process could not have been anymore simple than what it was!

    ...

  • author
    Robin
    3 days ago
    The entire procedure was quick and…

    The entire procedure was quick and painless. Best rates too.

    ...

  • author
    Sun
    3 days ago
    Helpful during a quick major purchase

    Helpful during a quick major purchase

    ...

  • author
    Temiloluwa
    3 days ago
    the service was very quick and…

    the service was very quick and painless. I will be recommending this site to every one.

    ...

  • author
    Gabriel
    3 days ago
    Great customer service!

    Quick response and courtesy from the staff.

    ...

  • author
    Michael
    3 days ago
    Treating you as a customer…

    Very easy to navigate and when you have a question someone actually answer the phone when you call in. Excellent

    ...

  • author
    Matthew
    3 days ago
    Great experience

    Great rates, great customer service, and got my funds in approximately 24 hours. Would highly recommend and will likely use their services again!

    ...

  • author
    Erik
    3 days ago
    Easy and straight forward.

    Upstart makes the loan process extremely easy and straight forward. All of the details are right there for you to see including the total cost and interest and you don't have to take time out of your day to apply in person.

    ...

  • author
    George
    3 days ago
    Very awesome experience with Upstart!

    Very awesome experience with Upstart! The loan process was easy to understand and navigate. Upstart is up front with you from beginning to end. I recommend Upstart to anyone who wants a loan. You are treated well. Thank you Upstart!

    ...

  • author
    Alex
    3 days ago
    it was quick and productive

    it was quick and productive. No hassles and quick response

    ...

  • author
    Timothy
    3 days ago
    Fast and easy services.

    Fast and easy services.

    ...

  • author
    Mark
    3 days ago
    Easy quick easy moneyand efficient

    Easy quick and efficient

    ...

  • author
    Glenn Kahanek
    3 days ago
    Easy and straightforward

    Easy and straightforward

    ...

  • author
    Kathleen Drybrough
    3 days ago
    From the start

    From the start, each agent I talked with was friendly, patient, professional, and thorough, talking me through procedures when needed. I had probably the best experience with Upstart than with any other loan company.

    ...

  • author
    Taycat
    3 days ago
    Very easy experience! 5 Stars

    Very easy experience! Will recommend to anyone I know that needs a personal loan

    ...

  • author
    Zack
    3 days ago
    Super easy to get started and…

    Super easy to get started and trustworthy!

    ...

  • author
    Marcelo
    3 days ago
    Intuitive, friendly, helpful...

    Intuitive, user friendly, and would highly recommend to anyone looking for a trusted lender.

    ...

  • author
    Grace Thompson
    3 days ago
    Quick and easy!

    Quick and easy!! Stress less anytime, especially the holiday season!! Thank you for believing in me when lots of other's wouldn't.

    ...

  • author
    Max
    3 days ago
    The process was quick and easy.

    The process was quick and easy.

    ...

  • author
    Brenda
    3 days ago
    Very easy

    Very easy, fast and decent rates!

    ...

  • author
    customer
    3 days ago
    Completing application

    It was very easy to maneuver through the application process. Online and telephonic processing was not difficult at all.

    ...

  • author
    Carolyn Johnson
    3 days ago
    Upstart has the easiest borrowing…

    Upstart has the easiest borrowing process. They have really helped me resolve some of my financial issues. I recommeythem to anyone who needs a loan quickly. There payments are very reasonable.

    ...

  • author
    Omar
    3 days ago
    Quick easy simple

    Quick easy simple

    ...

  • author
    Farrellinea
    3 days ago
    Your user-friendly web application

    Your user-friendly web application. Fast, efficient and easy.

    ...

  • author
    Juan
    3 days ago
    The ease of applying and its…Fast and Simple

    The ease of applying and its simplicity. It was to the point and done. Thank you.

    ...

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