Fix or Buy your Car With an Upstart Loan
Enter a loan amount and a term below to see an estimated monthly payment and total interest:
Estimated monthly payment
$0
Estimated total interest over the term
$0
The real cost of keeping your car on the road
Here's how a typical title loan compares to a personal loan.
| Typical car title loan | Upstart personal loan | |
|---|---|---|
| Repayment | Often due in full in about 30 days, or renewed repeatedly | Fixed installments over 36 or 60 months |
| Typical cost | Median APR around 300% (CFPB, 2016) | Fixed APR, 6.3% to 35.99% |
| Risk to your vehicle | About 1 in 5 borrowers has their car repossessed for falling behind | Usually unsecured (an auto-secured option may be offered in some states) |
Explore other optionsThis is an illustrative example, not a quote.
Your real rate, term, and monthly payment depend on your income, education, and the amount you request.
Checking your rate is a soft check, always
Getting a rate estimate uses a soft credit check. It doesn't affect your credit score, and no one else sees it on your report.
A hard credit check only happens if you choose to move forward with an actual loan offer. That may affect your score slightly, and it will show up on your credit report.
You'll always know before it happens.
Good to know about Upstart
Upstart is a publicly traded lender (Nasdaq: UPST), founded in 2012.
It has originated more than $61 billion in loans since it started (as of June 30, 2026).
Reviews are strong: Trustpilot rates it 4.9 out of 5 across more than 72,000 reviews.
Worth knowing: Upstart's auto loan refinance product is no longer offered as of 2026. This is Upstart's personal loan, which puts cash in your hands for a repair or a different car. Most personal loans are unsecured, but an auto-secured option may be offered in some states.
| Loan amount | $1,000 to $75,000 (minimum is higher in Georgia, Hawaii, and Massachusetts). Not available in Iowa or West Virginia |
| APR | 6.3% to 35.99% |
| Term | 36 or 60 months |
| Origination fee | 0% to 12%, deducted before the funds are sent to you |
| Credit score guideline | A minimum score applies under Upstart's underwriting, though limited credit history may still qualify. Income, education, and work history are also considered |
| Funding time | Often the next business day if you accept by 5 p.m. ET; typically 1 to 3 business days after signing |
The origination fee matters. If you're approved for $5,000 and the fee is 8%, you receive less than $5,000, not the full amount.
What happens after you're approved
- One fixed monthly payment for 36 or 60 months, whichever term you choose.
- Paying on time can help your credit over time.
- Missing a payment can have the opposite effect, so autopay is worth setting up if it helps you stay consistent.
Not sure this is the right fit for you?
Explore other optionsYou will leave this site. Rates, fees and terms are set by Upstart.
