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Support Home Applying to Refinance Your Auto Loan Are loans through Upstart fixed rate or variable rate? Are loans through Upstart fixed rate or variable rate? All loans through Upstart have a fixed interest rate, which means it won't change throughout the term of the loan. Was this article helpful? 2 4 Related Questions: Can I change my loan application after submitting it? You will not be able to edit your application once...… Can I apply for a second auto loan with Upstart? If you currently have an auto loan from Upstart, in...… What is the difference between a soft and hard credit inquiry? There are two kinds of inquiries (or pulls) that can...…