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Upstart Auto Refinance Review

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Reviews 35,669

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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
Upstartat a glance
4.0

Editorial score

Online experience

Good online resources, but no access to rates

4.0

Customer services and support

Award winning

5.0

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 35,669
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Trustpilot reviews

See what some costumers are saying about Upstart
Upstart
ExcellentReviews 35,669
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Excellent
97%
Great
2%
Average
0%
Poor
0%
Bad
1%
  • author
    Sandra
    12 hours ago
    Very fast and easy !

    I am very surprised and impressed on how quick and easy the application process is with Upstart! definitely recommend .

    ...

  • author
    Tammy
    15 hours ago
    Highly recommend

    Would highly recommend to help with your financial needs….they were very helpful and fast !

    ...

  • author
    Valerie
    18 hours ago
    The whole experience was super fast and…

    The whole experience was super fast and VERY easy and convenient.

    ...

  • author
    Elixiem
    19 hours ago
    It was way smoother than I thought

    It was way smoother than I thought. Amazing!

    ...

  • author
    Lucio
    19 hours ago
    It was worth it all the process!

    It was worth it all the process!

    ...

  • author
    Danny
    20 hours ago
    The process was excellent and quick

    The process was excellent and quick

    ...

  • author
    Shawn
    21 hours ago
    It was so quick and easy

    It was so quick and easy. And so helpful!!

    ...

  • author
    Rachael
    21 hours ago
    The loan process was easy and quick

    The loan process was easy and quick; This is the second time Ive used Upstart and im really happy about the ease of the process. Ive used other lenders before and they took so long to respond. I would recommend this to anyone looking for a loan.

    ...

  • author
    John W
    a day ago
    This was the easiest loan application

    This was the easiest loan application. Fast, easy and super fast.

    ...

  • author
    Ant
    a day ago
    Happy

    Quick, simple and easy to use!

    ...

  • author
    Krystle
    a day ago
    Referred by a family member

    Referred by a family member. Overall great experience!

    ...

  • author
    Bigred
    a day ago
    Very easy and fast

    Very easy and fast! Took 10 minutes!

    ...

  • author
    Casey lee Mitch
    a day ago
    Quick and easy

    Quick and easy

    ...

  • author
    Rosyenny
    a day ago
    Excellent way to payoff creditcards and…

    Excellent way to payoff creditcards and avoid so manycharge interest. This wast so fast and easy. 100% recommended.

    ...

  • author
    Kewan
    a day ago
    This process has to be the simplest and…

    This process has to be the simplest and easiest loan process I have ever experienced. Thumbs up, would highly recommend!! Great job!! 😊

    ...

  • author
    Michael
    a day ago
    Loan Process

    The Process who fast and all information was very clear

    ...

  • author
    Rosalinda
    a day ago
    The process was so quick especially…

    The process was so quick especially using my Credit Karma offer.

    ...

  • author
    Simone
    a day ago
    Upstart really came through for me when…

    Upstart really came through for me when I needed money. The process was so easily only took a few days to be approved. No matter your credit score they can work with you to get funded. I would recommend it to any one wjo is in need. Thanks Upstart Team!!!

    ...

  • author
    Rebecca V.
    a day ago
    Sunday Loan Offer and Acceptance. Happy Holidays.

    Excellent service with easy to comprehend terms of service. Beyond pleased. App, site, user friendly, 3rd party easy breezy.. Safe and trusted by me.

    ...

  • author
    Chris Richey
    2 days ago
    Promised money in one business day

    Promised money in one business day. It’s been 6 days. And we needed money for an emergency. Not reliable

    ...

  • author
    Tricia Bailey
    2 days ago
    Was there to help build better credit

    Was there to help build better credit

    ...

  • author
    Deanna
    2 days ago
    Easy to use and reliable.

    Easy to use and reliable.

    ...

  • author
    Sara
    2 days ago
    Upstart was able to fund my loan…

    Upstart was able to fund my loan quickly and painlessly. During those times when funds are low and credit card interest rates are high, it was a relief to know that I could count on upstart to help me get back on track.

    ...

  • author
    William
    2 days ago
    Ease loan consolidation process.

    Ease loan consolidation process.

    ...

  • author
    Kelly
    2 days ago
    Getting a loan from Upstart was quick…

    Getting a loan from Upstart was quick and easy. The agents I spoke with were super friendly, knowledgeable, and understanding. 10/10 would recommend.

    ...

  • author
    Amanda
    2 days ago
    Fast and friendly service

    Fast and friendly service. I would recommend this to anyone needing financial help.

    ...

  • author
    George
    2 days ago
    Quick, painless, transparent, and affordable loan experience

    Upstart has the best experience for personal loans. Quick, painless, transparent, and affordable. To me, Upstart has given me the peace of mind to consolidate debts, and now renovate my kitchen. I've used them before and wholeheartedly recommend them.

    ...

  • author
    Chadira
    2 days ago
    Everyone was helpful and friendly.

    Everyone was helpful and friendly.

    ...

  • author
    James
    2 days ago
    I was in need a a small loan quickly…

    I was in need a a small loan quickly and the process was so streamlined. I did most of the online pre work then chatted on the phone with a very polite customer service member. A few days later everything was approved and I signed the paperwork all online. Very quick easy and efficient and I highly recommend Upstart to anyone looking for financial assistance.

    ...

  • author
    Tiara
    2 days ago
    Very fast approval

    Very fast approval. Great communication along the way

    ...

  • author
    Cynthia
    2 days ago
    Efficient and Secure

    fast, easy to understand, clear help.

    ...

  • author
    Liz
    2 days ago
    Great Experience very friendly staff!

    Great Experience very friendly staff!! Entire process from application to funding took less than a week!!

    ...

  • author
    Kasey Dorrell
    2 days ago
    Upstart made this process incredibly Easy

    I found Upstart through an article written by Forbes. Forbes provided various lenders and Upstart was one of the top ones offered. I decided to work with them because they didn't charge any origination fees, offered competitive rates, and offered did not have an early repayment fee should I want to pay additional amounts with my payments. Upstart made this process incredibly easy. I was able to identify banks that fit my needs. The bank I was sent to, their website was very easy to use and everything was concise and clear. One of the features I loved best was being able to add various loan options to review rates, monthly payments, and other information without having to go through all the steps from the beginning. The only thing that was a bit frustrating was that they offered an option to direct connect to your bank but it didn't work. However, after contacting their customer service, I was able to offer my information in an alternate manner for approval. When I spoke with customer service, they were very prompt, clearly understood the help I needed, and very professional. I feel confident that I've find the right partner for my loan so far.

    ...

  • author
    Laila
    2 days ago
    Highly recommend Upstart!

    Using Upstart was truly a great experience. It was fast, super easy and so convenient! I really liked how user-friendly the platform is and how all my options were outlined very clearly. The process took less than a day and I feel like it was a safe, fair experience!

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  • author
    John GREEN
    2 days ago
    Easy process

    Easy process. Higher interest rate then expected but will still pay off quite a few creditors. I was disappointed in the loan amount but will start with that and build my credit relationship with Upstart for future for better rate as well.

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  • author
    Santos Pratt
    2 days ago
    APPROVED in 20 MINUTES!

    I applied for a small loan of less than $6000 and it took me NO LESS THAN 20 MINUTES to be APPROVED....This website is GREAT as far as I'm concerned... Just do your homework and look around if you're not convinced...

    ...

  • author
    R.B.
    2 days ago
    Quick and easy process

    The process to apply for a personal loan to consolidate my debt was quick and easy. There were three different terms offered for the amount I requested. Having the choice to pay off the loan in 3, 5, or 7 years with great APR% for my credit was very helpful.

    ...

  • author
    Anonymous
    2 days ago
    Personal Loan for Credit Card Debt

    I applied for a personal loan to pay off credit card debt. The application process was quick and easy. The interest rate I received on this loan is significantly lower than what I’m paying now with my credit cards. I’m pleased with my experience

    ...

  • author
    Christina
    3 days ago
    Upstart made the loan process easy and…

    Upstart made the loan process easy and fast!!!! And the people were so nice! Thank you!!!

    ...

  • author
    Happy D
    3 days ago
    GREAT EXSPERANCE

    So quick and easy the customer support was so quick to respond I would recommend 👌 🙂

    ...

  • author
    David
    3 days ago
    Quick and efficient service

    Quick and efficient service

    ...

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

    The entire process was quick and easy.

    ...

  • author
    Roshell
    3 days ago
    Upstart makes it easy and hassle-free!!

    Upstart makes it easy and hassle-free!!

    ...

  • author
    P.M.
    3 days ago
    Great Customer Service

    The process was very easy. Customer service representatives were professional, friendly and very helpful.

    ...

  • author
    Nancy Ballinger
    3 days ago
    Easy and efficient.

    Easy and efficient. This procedure was easy and clearly presented. It took very little time and everything was easy to understand. I can highly recommend this company and this site.

    ...

  • author
    Mark
    3 days ago
    Needed cash to get rid of some covid credit cards

    Needing some upfront cash to pay off some credit card bills I needed a loan that was fast and easy to appy for. Upstart is the place to go if you need money fast and at a reasonable rate and payment plan.

    ...

  • author
    Sara
    3 days ago
    Fast and easy service

    Fast and easy service. Gives updates frequently.

    ...

  • author
    Jenny
    3 days ago
    Quick process with low interest rates

    Quick process with low interest rates. Upstart has always been helpful to my family.

    ...

  • author
    Romz
    3 days ago
    Very great service!

    Very great service!

    ...

  • author
    Lynnette
    3 days ago
    The process to apply for a loan was…

    The process to apply for a loan was quick and easy.

    ...

  • author
    Jason Marsh
    3 days ago
    Days to fund

    Uploaded docs got verified and have to wait 5 days for a review. Why is in not being submitted. I should have already received my funds.

    ...

  • author
    Robert
    3 days ago
    super fast

    super fast . clear information

    ...

  • author
    Christina
    3 days ago
    Great to work with, easy process

    I had to call in and the Upstart employee was helpful and nice.

    ...

  • author
    Mel
    3 days ago
    Easy and Fast Process

    The process was very fast and easy. I was updated as my loan went through the process. I would highly recommend Upstart!!

    ...

  • author
    Laura
    3 days ago
    Fresh Start

    After my husband passed away I had a few debts that I wanted to consolidate and pay off so that the payments would be more manageable. Upstart made it simple, fast and painless. Other companies were willing to give me a loan but it was never quite enough to cover everything leaving me unable to make the payments. Upstart is giving me a fresh start.

    ...

  • author
    Jill
    3 days ago
    Great experience!

    Great experience!

    ...

  • author
    Griselle
    3 days ago
    Simple and Quick

    The simple and easy process for obtaining a loan is unmatched. I would recommend upstart to anyone I know in need of a quick loan.

    ...

  • author
    Daniel
    3 days ago
    The loan process was extremely easy…

    The loan process was extremely easy with detailed instructions and communication from start to finish. Highly recommend Upstart.

    ...

  • author
    Eden
    3 days ago
    Excellent fast and reliable

    Excellent fast and reliable. Offer better rate and save you money

    ...

  • author
    Tina
    3 days ago
    Easy process with a great lender

    Easy process with a great lender, what more can you ask for? I am now using them for my second loan and I am once again very pleased.

    ...

  • author
    John
    3 days ago
    Very easy to use

    Very easy to use, straight forward process and clear loan details. Not the cheapest for personal loans but it is probably the easiest website/company to deal with all electronically. Courteous call center people and quick to help.

    ...

  • author
    Randall
    3 days ago
    At first I was afraid I was petrified

    At first I was afraid I was petrified, but the entire process was quite simple,I received an approval the next day and now I'll be able to pay off all those high interest credit cards,

    ...

  • author
    Legend Konneh
    3 days ago
    Great and very helpful

    Great and very helpful

    ...

  • author
    Keith
    3 days ago
    Easy and convenient

    Easy and convenient. Thanks

    ...

  • author
    Gordon
    4 days ago
    This good for people ,who has good…

    This good for people ,who has good ,poor ,bad ,or no,credit, but would love to see a little bit better rates ,but all in all really appreciate you all working with me and thank you !

    ...

  • author
    Randy
    4 days ago
    It was a good Experience online…

    It was a good Experience online website was easy

    ...

  • author
    Amber
    4 days ago
    Upstart was clear and concise

    Upstart was concise, clear, and an easy process to navigate.

    ...

  • author
    Charlie
    4 days ago
    looked all over but. . . . .

    looked all over but, this came up and beat all the rest.

    ...

  • author
    David
    4 days ago
    We needed short term help

    We needed short term help (family emergency). The loan process was easy, quick (15min on the computer).

    ...

  • author
    CA applicant
    4 days ago
    Quick and easy process

    The process for getting a loan was quick, easy, and fair. The terms really make getting a loan practical.

    ...

  • author
    Catherine Perez
    4 days ago
    The process was fast and easy

    The process was fast and easy. Funds were in my about within a couple days. Communication was clear and website was easy to use.

    ...

  • author
    James
    4 days ago
    I had a problem getting my bank…

    I had a problem getting my bank statements in order but they were patient and helped me I am very thankful and happy for there service I will recommend them to anyone who needs a loan. Thank you team great job 👏.

    ...

  • author
    Omer
    4 days ago
    Great service and Easy process.

    Great service and Easy process.

    ...

  • author
    Frances
    Jun 30, 2022
    smooth filingI was very pleased with the quick…

    I was very pleased with the quick process with my loan . Had a little problem working through it, which was a problem with me reading it correctly. I managed to get it done in a timely manner.

    ...

  • author
    Roger
    Jun 30, 2022
    My experience was great from start to…

    My experience was great from start to finish. Courtney was especially helpful in keeping me informed of what was going on and also helped me secure the docs I needed to complete the application. She led me through the process step by step. After I completed the application she stayed in touch till the loan was approved. I greatly appreciated her help and the lender's quick processing of the loan. Thank you all for your help.

    ...

  • author
    Vernon
    Jun 30, 2022
    Thank you for quick response and…

    Thank you for quick response and approval. The process was quick and easy.

    ...

  • author
    Anthony
    Jun 30, 2022
    Easy loan application and terms.

    Easy loan application and terms.

    ...

  • author
    Sarah Phillips
    Jun 30, 2022
    I applied for a loan and was approved…

    I applied for a loan and was approved within minutes. I expect my funds by the afternoon. The process was incredibly fast and efficient -- easy peasy!

    ...

  • author
    Lisa Collins Alexander
    Jun 30, 2022
    Extremely hard times

    I've been married to my husband Ronald Collins for 14 years and I have came into a situation cuz I was in the hospital in a coma for 6 months and I got behind on my two of my credit cards which is not much all together it comes up to 16 1672 and he told me that you this was a good company to go through so I am trying to see if I can get a personal loan and paid off in the short period of time because we're looking forward to buying a home in August and I can't do that with my credit scores being fair and I'm hoping that your company can help me I was told that this is a very strong and stirring company to deal with my husband been dealing with you guys for a long period of time thank you

    ...

  • author
    Abby
    Jun 30, 2022
    This was so easy

    This was so easy

    ...

  • author
    Struggling American
    Jun 30, 2022
    Extremely satisfied with Upstarts loan…

    Extremely satisfied with Upstarts loan process! Helped me deal with a financial crisis that I was in. Will definitely do business with in the future.

    ...

  • author
    Sean
    Jun 30, 2022
    Very easy process

    Very easy process, all done on line in a very short time , I highly recommend UpStart .

    ...

  • author
    Jose
    Jun 30, 2022
    Quick and easy way to get a personal…

    Quick and easy way to get a personal loan.

    ...

  • author
    Stephanie Myers
    Jun 30, 2022
    It was easy and I am pleased to be…

    It was easy and I am pleased to be approved!

    ...

  • author
    James
    Jun 29, 2022
    Easy process

    Easy process

    ...

  • author
    Paulette
    Jun 29, 2022
    My experience was very easy and simple…

    My experience was very easy and simple to get the loan I needed.

    ...

  • author
    Stephen
    Jun 29, 2022
    Quick and painless

    Quick and painless, competitive rate

    ...

  • author
    Otis C Walker Jr
    Jun 29, 2022
    MY LOAN PROCESS WAS QUICK AND EASY

    MY LOAN PROCESS WAS QUICK AND EASY, I LOVE IT A+.

    ...

  • author
    Gabriel
    Jun 29, 2022
    Lean and quick process

    Lean and quick process. Helpful personal. Good guidance trhoughout the process.

    ...

  • author
    Connor
    Jun 29, 2022
    Upstart was able to offer me a loan…

    Upstart was able to offer me a loan when other lenders wouldn't.

    ...

  • author
    Rafael
    Jun 29, 2022
    very fast very clear

    very fast very clear

    ...

  • author
    Kim Girkins
    Jun 29, 2022
    I am most impressed by Trust Pilot…Immediate Results

    I am most impressed by Trust Pilot (Upstart) …. I applied today…. Received a loan amount close to what I asked for and was approved at that time. I authorized my bank and was approved immediately and will receive the funds tomorrow….. very happy! Kim

    ...

  • author
    Hector Martinez
    Jun 28, 2022
    I like to thank William and the lady…

    I like to thank William and the lady from customer service. They were really nice, courteous and really represent the company well.!!! A good shout out to UPSTART!!! Thank You

    ...

  • author
    Emma
    Jun 28, 2022
    Quick process

    Quick process! Got approved in minutes! Rates were great. Thank you!

    ...

  • author
    Kaleigh
    Jun 28, 2022
    Great!

    Great service!

    ...

  • author
    Shelly
    Jun 28, 2022
    So far the process was easy to do.

    So far the process was easy to do.

    ...

  • author
    Shannon
    Jun 28, 2022
    The process was quick and easy

    The process was quick and easy, beginning to end. Within a few minutes my loan was approved and processed.

    ...

  • author
    Lizzette
    Jun 28, 2022
    Upstart rocks!!

    Upstart is my lifesaver! I have never been disappointed with their service. Upstart helped me pay off my medical bills and now they are helping me pay off the IRS and my credit cards in order to improve my credit and financial health. You rock Upstart!!!

    ...

  • author
    troy burge
    Jun 28, 2022
    They're very easy to deal with

    They're very easy to deal with. Although don't use as long term and pay your loan off quicker. That way your interest rate is somewhat manageable. Would recommend their services to everyone.

    ...

  • author
    Pab
    Jun 28, 2022
    Expedient

    Expedient, courteous and professional services. Upstart does not rate you as the banking industry does. The Application process is quite simple, and without hassle. Fast funding, too.

    ...

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