To qualify for an auto loan, you must:

1.  Have a U.S. street address and reside in a state where the Upstart Automotive Refinance program is offered; 

2.  Be at least 18 years old;

3.  Have a valid email account; 

4.  Have a verifiable name, date of birth, and social security number;

5.  Have a job or job offer you’ve accepted and will start within six months or another

verifiable source of regular income that you do not expect to terminate within three months of the application date;

6.  Have a personal banking account at a U.S. financial institution with a routing transit number; and 

7.  Meet our minimum credit requirements. 

See these articles for car and auto loan eligibility requirements.