If you have finished paying off an existing Upstart auto loan and made on-time monthly payments for the previous six consecutive months, you are able to apply for a second loan after your most recent payment clears (14 days from the payment date).
If you have finished paying off an existing Upstart auto loan and any of the six most recent monthly payments were not on time, or you paid off the loan before reaching six monthly payments, you must wait 60 days before reapplying.
If any payment is still processing on your existing loan, Upstart is unable to approve a new loan application. The pending payment counts as your sixth most recent payment and must process successfully before the new loan application can be approved, if all other requirements have been met.
When applying for a second auto loan, you must use a different email address.
There are no restrictions on applying for an auto loan if you have a personal loan with Upstart.
To apply for a second auto loan, check your rate here.