Automotive Support

Can I apply for a second auto loan with Upstart?

If you currently have an auto loan from Upstart, in order to be eligible for anot…

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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