All Upstart auto refinance loans offer a fixed rate, but individual rates are determined based on each person's education, credentials, work experience, and credit history. The maximum APR currently ranges from 17.99% to 29.99%.
The interest rate is only one factor of the cost of the loan. The total cost can be understood by the APR, which is the annual cost of a loan, including the interest rate. When comparing loan products, it is important to consider the APR of each product.