To refinance your auto loan with Upstart, your car must be no more than 12 years old and have 140,000 or fewer miles of usage. It may not be registered as commercial or be used for commercial purposes. It must also be registered in an eligible state. 

You must not have any second liens. Upstart does not refinance loans on vehicles that are stolen or have salvage titles. 

If you have a co-owner, the co-owner must consent to your application.