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Support Home Applying to Refinance Your Auto Loan
  • How will applying to refinance my loan affect my credit?

    Checking your rate with Upstart Auto Refinance will not affect your credit score.…

  • What is the range of interest rates offered on loans, and what is the difference between APR and interest rate?

    All Upstart auto refinance loans offer a fixed rate, but individual rates are det…

  • Can I change my loan application after submitting it?

    You will not be able to edit your application once it is submitted. Please verify…

  • What is the difference between a soft and hard credit inquiry?

    There are two kinds of inquiries (or pulls) that can occur on your credit report:…

  • What must I agree to in order to receive a loan?

    In order to refinance your loan, you must agree to the  Borrower Platform Agreeme…

  • How are interest payments calculated?

    Upstart uses simple interest to calculate interest payments. A specific interest …

  • How do I apply to refinance my auto loan?

    Please complete the brief online application, which will include information abou…

  • Can I negotiate the rate or my loan terms?

    No, you cannot negotiate the loan terms or rate. Your rate is generated by our mo…

  • Why do you need my social security number?

    We must collect and verify your personal information, including your date of birt…

  • Can you withdraw or delete my application?

    If you wish to withdraw from the application process, please email us at  auto.su…

  • What fees am I charged?

    Fee Amount Frequency Description Late Payment Fee The greater of 5% of monthly pa…

  • Are loans through Upstart fixed rate or variable rate?

    All loans through Upstart have a fixed interest rate, which means it won't change…

  • Does Upstart provide gap insurance?

    Upstart does not offer this type of insurance. If you had GAP insurance on your p…

  • Can I refinance a commercial vehicle? How about a vehicle used for commercial purposes?

    Upstart does not support auto loan refinancing for commercial vehicles. Upstart m…

  • Can I get cash out when I refinance?

    No, you can refinance your  auto loans to lower your monthly payment or reduce th…

  • What do I need to do after my application is approved?

    After your application is approved, Upstart will be working behind the scenes to …

  • How long will it take?

    The title administration process timeline is dependent on several factors and can…

  • How to Calculate Your Self Employed Income

    If you’re self-employed and you’d like to use your income from this job as the in…

  • What can I expect when I apply?

    Applying for a loan begins with submitting a rate inquiry on Upstart's website. I…

  • Are Upstart loans available through any car dealerships?

    No. Upstart currently supports the refinancing of existing auto loans only. You m…

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