To qualify for an auto loan, you must:
Have a U.S. street address that you currently reside at;
Not be residing in Iowa, Louisiana, Maryland, Nevada, Puerto Rico, and West Virginia;
Be at least 18 years old;
Have a valid email account;
Have a verifiable name, date of birth, and social security number;
Have a job or job offer you’ve accepted and will start within six months or another
verifiable source of regular income that you do not expect to terminate within three months of the application date;
Your vehicle must be no more than 10 years old;
Depending on the bank you are eligible for: your vehicle must have no more than 120,000 - 140,000 milesYour vehicle must not be registered as commercial or be used for commercial purposes.
Your vehicle must also be registered in an eligible state.
You must not have any second liens and must be in possession of the vehicle (Upstart does not refinance loans on vehicles that are stolen or have salvage titles).
Meet our minimum credit requirements.
See below for existing auto loan eligibility requirements.