Auto refinance loans
Accelerate auto lending through AI
Deploy Upstart’s Lender-Branded Platform on your institution’s website to offer a frictionless, digital auto refinance experience.
Deploy Upstart’s Lender-Branded Platform on your institution’s website to offer a frictionless, digital auto refinance experience.
Auto refinance represents a small share of the $1.37 trillion³ in outstanding auto loans. As consumers look to save money, lenders have a significant opportunity to expand their auto portfolio and deepen their relationships by partnering with Upstart.
Upstart for auto refinancing is powered by our AI lending platform which can be deployed on your institution’s website to enable fast, all-digital originations with accurate risk-based pricing.
Lender-branded, mobile-friendly application is pre-filled with existing customer information, making the process quick and easy.
Vehicle and loan details such as VIN or license plate are automatically pulled.
Our risk-based AI model prices customers within your credit parameters resulting in higher approvals and lower losses.
Asset valuation is pulled from third party services and then leveraged in loan pricing.
Customer information is verified with many applicants approved automatically.
Our expert staff manages all stips requested for higher-risk applications.
We provide an e-signature process with our refinance verification.4
Funds are sent directly to the previous lender – and payoff is verified.
Configure rates to meet your desired return on assets tailored to your risk appetite.
Approve borrowers that meet your risk profile – our model predicts the probability and timing of default.
Upstart can present your offer of credit to applicants on the Upstart.com site via the Upstart Referral Network to help you drive origination volume that compliments your existing marketing efforts.
Upstart provides a comprehensive servicing solution that is lender-branded including U.S. based customer support, a payment platform, and collections services.
Learn how you can grow your consumer lending business by approving more borrowers within your credit policy while providing a modern, digital experience.
1 Instant decisioned is defined as presenting the applicant with a credit offer or a decline decision based on their application.
2 This information is estimated based on all consumers who were approved for an auto loan through the Upstart platform and accepted their final terms. As of 9/30/2025, the average monthly payment savings amount is 21%.
3Â Household Debt and Credit Report, Federal Reserve Bank of New York, Q4 2020.
4Â E-signature refers to the online loan application and promissory note.
