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.

Through our partnership with Upstart to power both personal loans and auto refinance loans, Firelands FCU will accelerate our digital transformation initiative by offering our members a modern, all-digital lending experience. With Upstart’s AI lending platform, we will be able to say yes to more creditworthy members while lending more inclusively across the communities we serve.

Brett Montague, President & CEO

Firelands FCU

Unlock the value of refinancing through Upstart

Instant-decisioned auto loans¹
Avg borrower savings per month²
Managed lien perfection

Tap into the growing auto refinance opportunity

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.

How you benefit

Grow your auto loan portfolio through refinancing

Grow your auto loan portfolio through refinancing

  • Originate more auto refinance loans profitably
  • Refinance loans with compelling offers
  • Acquire new customers

Deliver a modern digital refinance experience

Deliver a modern digital refinance experience

  • Provide a fast and seamless application process for consumers
  • Automate approvals with minimal fraud rates
  • Trust Upstart to manage the entire process including stips and lien perfection

Lend to more creditworthy borrowers safely

Lend to more creditworthy borrowers safely

  • Price and predict risk with accuracy
  • Increase approvals within your risk tolerance
  • Maintain full control of your credit policy

How it works



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.

Upstart product confirming a borrowers vehicle and loan


Credit decisioning

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.


Fraud & verifications

Customer information is verified with many applicants approved automatically.

Our expert staff manages all stips requested for higher-risk applications.

Near-zero fraud rates


Loan closing

We provide an e-signature process with our refinance verification.4

Funds are sent directly to the previous lender – and payoff is verified.

Easy e-signature process


Lien perfection

Upstart handles title management for both electronic and paper titles creating a seamless experience for your institution and consumers.
100% managed lien perfection

You're in control

Iron Federal auto retail dashboard

Configure your credit policy

Apply a wide array of qualifying criteria such as minimum credit score, maximum debt-to-income ratio, loan sizes, loan‐to‐value ratios, and more.

Set your pricing strategy

Configure rates to meet your desired return on assets tailored to your risk appetite.

Leverage AI to predict default

Approve borrowers that meet your risk profile – our model predicts the probability and timing of default.

Optional services

Applicant acquisition

Upstart can present your offer of credit to applicants on the site via the Upstart Referral Network to help you drive origination volume that compliments your existing marketing efforts.

Loan servicing

Upstart provides a comprehensive servicing solution that is lender-branded including U.S. based customer support, a payment platform, and collections services.

Request info

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 Upstart and accepted their final terms. As of 4/1/2024, the average monthly payment savings amount is 17%.

3  Household Debt and Credit Report, Federal Reserve Bank of New York, Q4 2020.

4  E-signature refers to the online loan application and promissory note.

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