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Upstart Auto Refinance Review

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Reviews 13,973

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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 13,973
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Trustpilot reviews

See what some costumers are saying about Upstart
Upstart
ExcellentReviews 13,973
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Excellent
96%
Great
2%
Average
0%
Poor
0%
Bad
2%
  • author
    VXS
    2 hours ago
    Easy and fast

    Fantastic! I needed money to pay some unexpected bills, medical and personal. This loan makes it easier to pay my other bills without killing me financially with fees and interest rate. I had been waiting weeks for another bank to "review" my documents. This was fast and easy. Thank you so very much.

    ...

  • author
    human
    3 hours ago
    very quick and easy !

    very quick and easy !

    ...

  • author
    Rex
    3 hours ago
    Great rate

    Great rate. Lowered my monthly payments significantly. Thank you upstart! Rex

    ...

  • author
    Michelle
    3 hours ago
    Easy process easy approval

    Easy process easy approval

    ...

  • author
    Cinnamon
    4 hours ago
    Great customer service!

    Great customer service!

    ...

  • author
    Stephen
    4 hours ago
    Unbelievable experience

    Unbelievable experience! A company delivering on its promises, and with a website that performs exactly as described. Easy to use, quick to respond and a rate I am extremely pleased with. This loan will help my family's financial outlook immensely! Thank you Upstart!

    ...

  • author
    Vanessa
    4 hours ago
    It was fast and easy

    It was fast and easy

    ...

  • author
    Robert
    4 hours ago
    Service

    Outstanding and very informative

    ...

  • author
    Louis
    5 hours ago
    Super easy and quick!

    Super easy and quick!

    ...

  • author
    Sherine
    5 hours ago
    I highly recommend this company the…

    I highly recommend this company the process was not long nor demanding and they really me out of a bad financial problem.

    ...

  • author
    Stephanie
    5 hours ago
    Quick and excellent in getting approved…

    Quick and excellent in getting approved and set up for debt consolidation. Thank you!

    ...

  • author
    Kris
    5 hours ago
    Very fast

    Very fast, easy and explained well

    ...

  • author
    Jessica
    8 hours ago
    Thank you!

    I’ve been trying to get a consolidation loan for years and no one would lend to me because of my debt to income even though I’ve NEVER had a late payment, but they approved me in minutes! I’m so grateful, it’s such a weight of my shoulders to have one monthly payment instead of multiple large Monthly payments.

    ...

  • author
    Hortensia
    16 hours ago
    Great Company

    Easy to apply, great terms and rates

    ...

  • author
    Christine
    17 hours ago
    This was the fastest and easiest loan I…

    This was the fastest and easiest loan I ever applied and qualified for.

    ...

  • author
    Candice
    17 hours ago
    This has got to be the EASIEST AND…

    This has got to be the EASIEST AND QUICKEST loan I’ve ever applied for and got. 10 mins max and with amazing payment plans. Love it!!

    ...

  • author
    Lorraine
    18 hours ago
    Easy app,easy to navigate,good job.

    Easy app,easy to navigate,good job.

    ...

  • author
    AN
    19 hours ago
    Quick and easy-thanks!

    Quick and easy-thanks!

    ...

  • author
    Amanda
    19 hours ago
    Easy

    Quick, fast and easy. Pre approved thru Credit Karma. Customer service is fast, friendly and helpful. Everything is clear and easy to understand. I too read reviews before going forward. I’ve Credit Karma for a long time now. I would even get offers in the mail.

    ...

  • author
    Kathleen
    19 hours ago
    Easy application

    Easy application. Website app gave me updates to my request and ability to enter lower loan amounts showing the difference in interest and payments. Fast notification of approval and simple online review and signature needed for loan. And no hard pull on my credit until I was given loan approval. This is important to me as I don't have stellar credit! Worked well for me.

    ...

  • author
    Darin
    19 hours ago
    Very Helpful and easy process to go…

    Very Helpful and easy process to go through. Straight forward process, explained very well.

    ...

  • author
    Brenda
    20 hours ago
    Easy and safe to use

    Easy and safe to use

    ...

  • author
    ASHLEY GREEN
    21 hours ago
    Probably the easiest loan approval I…

    Probably the easiest loan approval I have been through will save me 360 bucks a month on my credit cars bills

    ...

  • author
    Senaca
    a day ago
    They were there when I needed it the…

    They were there when I needed it the most. Not only that my money will be funded the day I need it. Perfect! Will go through them again if needed. Recommend

    ...

  • author
    Marco
    a day ago
    Very good costumer service and they…

    Very good costumer service and they don’t take long at all letting you know if you are approved.

    ...

  • author
    Clock
    a day ago
    Simple to fill docs

    Simple to fill docs

    ...

  • author
    Christopher
    a day ago
    Fast and efficient

    Fast and efficient! Approved in less than 5 minutes!

    ...

  • author
    Scott
    a day ago
    They make it very easy

    They make it very easy. User friendly and quick

    ...

  • author
    Sam
    a day ago
    Load process is quick and seamless with…

    Load process is quick and seamless with accurate rates offered at the beginning.

    ...

  • author
    William
    a day ago
    Great Experience!

    Incredibly quick, easy and competitive rates for my personal loan. Documentation request and signing so efficient.

    ...

  • author
    Howard
    a day ago
    Safe and Efficient

    Safe, efficient, trustworthy, and literally at your finger tips. Upstart is fabulous. This is my second loan. Helps increase your credit score and improve your finances. Thank you

    ...

  • author
    Kita
    a day ago
    Loan process was very easy and didn’t…

    Loan process was very easy and didn’t take long at all. I’m very satisfied!

    ...

  • author
    Herman
    a day ago
    The loan process was quick and easy

    The loan process was quick and easy. I highly recommend.

    ...

  • author
    Michael
    a day ago
    The loan application process was very…

    The loan application process was very easy.

    ...

  • author
    Michael
    a day ago
    I was approved and funded same day.

    I was approved and funded same day.

    ...

  • author
    Carol
    a day ago
    Excellent Service

    The loan application was quick and fast response. Thank you for giving me a chance to rebuild my credit.

    ...

  • author
    Hector
    a day ago
    Quick and fast approval

    Quick and fast approval, excellent website and easy to navigate while having excellent customer service as my verification call was terrific.

    ...

  • author
    Angela
    a day ago
    I am totally grateful for Upstart

    I am totally grateful for Upstart

    ...

  • author
    Robert
    a day ago
    Great Process

    Great process, quick turnaround.

    ...

  • author
    Larry
    a day ago
    This was a great process and very easy…

    This was a great process and very easy to complete. Thank you.

    ...

  • author
    Lisa
    a day ago
    Quick and easy process!!

    Quick and easy process!!

    ...

  • author
    Audry
    a day ago
    this was a nice way to do this.

    this was a nice way to do this.

    ...

  • author
    Trish
    a day ago
    quick and easy

    quick and easy - decent rate and terms

    ...

  • author
    Benjamin
    a day ago
    Very nice

    Very nice, quick, friendly and efficient.

    ...

  • author
    Alyssa
    a day ago
    Great experience

    Great experience! Everyone was very polite and helpful! Very easy to apply!

    ...

  • author
    Ron Kett
    a day ago
    Just started the process is easy

    Just started the process is easy ! Looking forward to see how thing progress in the future. Thank you. R.Kett

    ...

  • author
    Barbara
    a day ago
    Very user friendly and quick

    Very user friendly and quick! I used the on-line application.

    ...

  • author
    Norma
    a day ago
    Very easy and straightforward process

    Very easy and straightforward process. Loan was approved within the stipulated time and no issues whatsoever. Highly recommend Upstart.

    ...

  • author
    Michelle
    a day ago
    The application was quick and easy and…

    The application was quick and easy and funding as well. I recommend this company to anyone looking for a loan.

    ...

  • author
    Irene
    a day ago
    Had a great experience and they help me…

    Had a great experience and they help me when I need help! Great customer service and friendly.

    ...

  • author
    Sean
    a day ago
    Smooth Process! Very easy to work with lender!

    It was very easy to work with this lender! They answered all my presubmission questions and were very helpful. Smooth process. They made the process as stress free as it could be.

    ...

  • author
    Elizabeth Martin
    a day ago
    Positive Experiece

    My experience with Upstart was nothing but positive, from beginning to end. A large student loan continually looms over all of my credit transactions. My research showed that Upstart had great reviews for helping those with Fair credit ratings. The application process was clear and simple, and the results nearly immediate. The terms were much more generous than expected.

    ...

  • author
    Brenda Tomtishen
    a day ago
    I have never had a loan go so fast &…

    I have never had a loan go so fast & accurate. Very satisfied with Upstart.

    ...

  • author
    Sunil
    a day ago
    super easy process

    super easy process. This is the new way of getting this done!!

    ...

  • author
    Yhidda Ocasio
    a day ago
    I Strongly Recommend Upstart

    I am so happy right now, with Upstart. The process to get approved was quick and easy. Everything was done digitally. They quickly provided me with offers that I would feel comfortable paying monthly. Upstart is very reliable. I strongly recommend it for anyone looking to pay off debt or take out a personal loan for other reasons.

    ...

  • author
    Linda
    a day ago
    Amazingly easy and fast!!

    While NO one else would give me any loan without collateral. This company approved me with no hassle, easily, and fast. I definitely recommend and would use again. Thanks!!

    ...

  • author
    Hoa du mal
    2 days ago
    The easiest and quickest online…

    The easiest and quickest online application process. I was finished and approved within 30 minutes and received the funds within 3 days to my bank account. I believe they have great rates and loan offers. I'm very happy with my loan and would get another one with them.

    ...

  • author
    Matthew
    2 days ago
    quick and easy

    quick and easy, they use more than just a credit score.

    ...

  • author
    Jeffrey
    2 days ago
    This process was fast and easy

    This process was fast and easy, I would recommend Upstart 100 %.

    ...

  • author
    Abel
    2 days ago
    Fast and accurate all processes.

    Fast and accurate all processes.

    ...

  • author
    Al
    2 days ago
    Fast and easy

    It was fast, easy, and they did not ask personal questions, and the entire application process took less than 10 minutes.

    ...

  • author
    Daniel
    2 days ago
    We were approved for the amount we…

    We were approved for the amount we needed in a matter of minutes, it was simple fast and with low interest! Definitely recommend anyone to go through these guys if you need a loan.

    ...

  • author
    Joseph
    2 days ago
    Fast easy and painless

    Fast easy and painless. Rates are low. Thank you!

    ...

  • author
    donald layton
    2 days ago
    Very easy process and great customer…

    Very easy process and great customer service always!!!

    ...

  • author
    Bradley
    2 days ago
    This was such a quick and easy process

    This was such a quick and easy process. I would recommend to everyone.

    ...

  • author
    Charles
    2 days ago
    I am so impressed with the fact of…

    I am so impressed with the fact of working with them. I will be returning if ever needing help again. They were fast and efficient. So a big thank you goes out to them for all they have done to help me out.

    ...

  • author
    Ricardo
    2 days ago
    This loan was so easy to apply for and…

    This loan was so easy to apply for and was funded right away would definitely use them again

    ...

  • author
    JD
    2 days ago
    Fast and convenient

    Fast and convenient. Uploads were easy and personnel were pleasant.

    ...

  • author
    Keerthi
    2 days ago
    Approval

    The loan application and approval process is very fast and convinient.

    ...

  • author
    Marcos Grajales
    2 days ago
    Upstart facilitates the way to apply…

    Upstart facilitates the way to apply and process a loan. It provides us of all loan details clearly and complete that I feel confident to continue all the loan process via online. Upstart is a great choice for a personal finances!

    ...

  • author
    Peter
    2 days ago
    SO THANKFUL SO BE RID OF THREE PAY DAY…

    SO THANKFUL SO BE RID OF THREE PAY DAY LOANS.

    ...

  • author
    Kimberly
    2 days ago
    Happy Customer

    Had a great experience with Upstart. Got the amount I needed in a timely manner. Thanks Upstart!

    ...

  • author
    Christopher
    2 days ago
    Very great online service and detailed

    Very great online service and detailed

    ...

  • author
    Andrew James
    2 days ago
    Upstart is Full of $#!T!!!

    All week I was submitting the information they requested. On the Friday of that week, I received approval for 3900.00. I allowed them to do a credit check to finalize the approval, and I was denied. According to them, my credit score dropped more than 25 points. They stated that at the time that I first applied I had a credit score of 712, I have never had a credit score that high. And by the time I was approved I had a credit score of 647. I don't know why they would lie like that, but they did.

    ...

  • author
    Darcel
    2 days ago
    My loan was easily navigated

    My loan was easily navigated. Thank you Upstart!

    ...

  • author
    Patricia Locklear
    2 days ago
    The prequalication notice in the mail…

    The prequalication notice in the mail was just what I needed. The process was extremely easy and this has made my life a lot easier!

    ...

  • author
    Kristie
    2 days ago
    Very happy with the process of applying.

    Very happy with the process of applying.

    ...

  • author
    Heather
    2 days ago
    Easy process

    Easy process, verification was considerate and personable. Thank you for your help!

    ...

  • author
    Daniel
    2 days ago
    What an easy application process

    What an easy application process. I'm trying to build my credit and Upstart helped. It took less than 30 minutes to get everything approved.

    ...

  • author
    Cassey
    2 days ago
    Fast smooth transition

    Fast smooth transition. Thank you

    ...

  • author
    Christopher
    2 days ago
    Very easy and extremely helpful!

    My credit card debt slowly started to creep up because of vet bills and have to have the timing chain on my truck replaced. This was a very easy and quick way to get a loan with much cheaper interest and to help me keep my finances under control. Thank you so much.

    ...

  • author
    Jacqueline
    2 days ago
    Very helpful and Thorough answered all…

    Very helpful and Thorough answered all of my questions and concerns!

    ...

  • author
    Andrew
    2 days ago
    Upstart is truly wonderful!

    upstart is wonderful! The process was easy and the reps who assisted were extremely polite and knowledgeable. I would absolutely recommend this company and hope to work with them again in the future!

    ...

  • author
    Shemeka Watkins
    2 days ago
    Speedy approval and funding

    Speedy approval and funding

    ...

  • author
    Joey Doria Gamilla
    2 days ago
    The process was secure and convenient…

    The process was secure and convenient and fast!

    ...

  • author
    Bobbie
    2 days ago
    This was the easiest loan I've ever…

    This was the easiest loan I've ever applied for. I can pay off my debt to where I only have to make one payment a month and pay less each month. Thank You UPSTART

    ...

  • author
    Cory
    2 days ago
    Very smooth experience

    Very smooth experience. Approved the loan I needed to get back on track!

    ...

  • author
    KMLG
    2 days ago
    Amazing

    This was really quick, my advice please just ask for what is necessary and pay on time, their customer service is amazing they answer everything in a way to understand all the policies easily

    ...

  • author
    David
    2 days ago
    Worry Free Process

    The process was easy and fast. Upstart took the worries out of applying for an loan. Will be a life long customer.

    ...

  • author
    Balaji Kumar
    2 days ago
    Loan process was very quick and fast

    Loan process was very quick and fast. Customer service is excellent.

    ...

  • author
    William
    2 days ago
    So quick

    So quick, so easy! Almost shocking! Thank you so much Upstart!

    ...

  • author
    Sebastian
    2 days ago
    Quick and reliable.

    Quick and reliable. Great service

    ...

  • author
    Michael
    2 days ago
    So quick and easy

    So quick and easy! The process takes minutes to complete! Very Pleased

    ...

  • author
    Dmetria
    2 days ago
    Excellent

    Excellent loan service approval was simple and repayment options are very reasonable.

    ...

  • author
    Hamid
    2 days ago
    You Guys are Awesome!!!!

    You Guys are Awesome!!!!

    ...

  • author
    Martina Gallagher
    2 days ago
    I was initially skeptical, but at the end pleasantly surprised!

    I was initially skeptical about the process and support. However, I was pleasantly surprised by how clear the details of the loan were. I also called the support team to ask for clarification on the loan details. They were amazing! They were patient and made sure my questions were answered. Thank you Upstart for providing such a great service! :-)

    ...

  • author
    Glen K
    2 days ago
    A very safe

    A very safe, secure thoughral easy process

    ...

  • author
    Demetra
    2 days ago
    Great Honest Company

    I was approved and funded within 3 days! No hassles.

    ...

  • author
    Natalie
    2 days ago
    The process was quick and also spoke…

    The process was quick and also spoke with a nice representative on the phone.

    ...

  • author
    Alberto
    2 days ago
    I’m crying tears right now

    I’m crying tears right now. Thank you so much for helping me.

    ...

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