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Upstart Auto Loan Calculator, Interest Rates & Overview

Updated 26 November 2023

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Upstart auto loans overview

Upstart provides competitive and flexible loan options from its wide network of lenders that can help you with auto financing. You can apply for a personal loan to finance your dream ride or refinance your current car loan. To match you with the right lender, rate, and term, Upstart looks beyond credit scores and considers a comprehensive review of your application.

Want to see what an Upstart auto loan will cost? Try the Upstart auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Upstart auto loan features

Minimum loan amount: $9,000.
Maximum loan amount: Up to $60,000.
Interest rates: Undisclosed APR.
Loan terms: 24 to 84 months.
Loan fees: No application fee.
Discounts: Undisclosed.

UPSTART AUTO LOAN OPTIONS

Auto refinance loans

You can refinance your existing auto loan through one of Upstart’s partner lenders. To qualify, you should have at least 24 months of remaining payments. Plus, your outstanding balance should be between $9,000 and $60,000. You can also check your rate with a soft credit pull, so it doesn’t affect your credit score.

Personal loans

If you want to purchase a vehicle, Upstart doesn’t have loans specific for vehicle financing. But you can apply for a personal loan and borrow from $1,000 to $50,000. Interest rates range from 5.20% to 35.99% APR with terms extending up to 5 years.

Upstart auto loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$25,000

Term

60 months

Change

Sorry, no results were found

Featured

Achieva - New Auto Loan

Estimated Month Repayments

$437 Inclusive of fees

Interest Rate

1.89%
APR

Repayment Period

12 months
to 84 months

Loan Amounts

$5,000
to $100,000

GO TO SITE

Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.

Featured

Bank of America auto loan

Estimated Month Repayments

$595 Inclusive of fees

Interest Rate

15.00%
APR

Repayment Period

12 months
to 72 months

Loan Amounts

$5,000
to $100,000

GO TO SITE

Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for an Upstart auto loan

Eligibility criteria

To qualify for car loans, you should:

Have a U.S. street address that you currently reside at
Not reside in Colorado, Iowa, Louisiana, Maryland, Nevada, or West Virginia
Have a valid email account
Be employed, accept a job and will start within 6 months, or have another verifiable income source
Have a personal banking account at a U.S. financial institution with a routing transit number

On top of these, you also need to meet Upstart’s minimum credit requirements for car refinance. So, check your credit score to have an idea about the rates you qualify for. Also, consider improving your credit before you apply to have more lending options and secure better rates and terms.

What you’ll need to have ready

Personal details

When you apply for auto financing with Upstart, you’ll be asked to provide personal information such as:

An email address
Your full name
Address
Social Security number
Employment information
Income details
U.S. citizenship status
A list of monthly expenses

Documents

You may need to provide Upstart with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Refinancing your loan means you may need to provide more details about your vehicle, too. These may include the vehicle identification number (VIN) and the make, model, and year of your vehicle. So, knowing these ahead of your application can make things easier for you.

Ways to apply for an Upstart auto loan

Apply online by clicking the GO TO SITE link in the table below
Visit a branch
Call 1-855-438-8778

Additional Upstart auto loan details

Automatic payment: Available.

Loan approval times: 1-2 weeks.

Rate discounts: Potential lower APRs for borrowers with excellent credit scores.

Repayment frequency: Monthly.

Late payment fees: 5% of the balance or $15 (whichever is higher).
Prepayment penalty: None.

Co-borrowers allowed: No.
Co-signers: Not allowed.

Hardship program: Hardship assistance available. (Fill out form)

Ways to repay: Through recurring ACH, manual ACH, and check.

Vehicle restrictions and limitations

Maximum vehicle age: Less than 12 years old.
Maximum vehicle mileage: Less than 140,000 miles.
Other vehicle restrictions: Commercial vehicles, commercial-purpose vehicles, and salvage titles are ineligible for auto refinance.

PROS AND CONS

Pros

Flexible repayment terms.
No application fees.
No prepayment penalties.
Fixed interest rates for easier budgeting.
Easy online application.
Multiple partner lenders to find the best car loan.
Personal loans and car refinancing available.
Soft credit check offered.

Cons

Undisclosed interest rates.
Lack of auto loans for purchasing.
No co-borrowers and co-signers allowed.
Auto refinance not available in all states.

FREQUENTLY ASKED QUESTIONS

Does Upstart offer auto loans?

Upstart offers car refinancing loans through Upstart-powered lenders. But if you want to purchase a vehicle, you may apply for a personal loan instead.

Are Upstart car loan interest rates fixed or variable?

Refinancing auto loans at Upstart comes with a fixed interest rate.

What is the maximum loan term of an Upstart vehicle loan?

You may refinance your car loan for up to 84 months.

Are there early repayment fees on Upstart auto loans?

None. You can pay off Upstart auto loans sooner without incurring prepayment penalties.

How do I pay my Upstart car loan?

You can make payments to your car loan through recurring ACH, manual ACH, and check

How can I contact Upstart about my auto loan?

You can reach out to Upstart at 650-204-1000 (local) or 1-855-438-8778 (toll-free).

Will refinancing my car loan affect my credit score?

If you want to check your rate, a soft credit check won’t impact your credit score. If you then continue with your car loan, Upstart will make a hard credit check, which will affect your credit score.

Can I refinance my car loan with a low credit score?

Yes. When you apply for car refinance, Upstart looks at factors other than your credit score, like your education and employment.

Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.