Auto loans & leases
Upgrade auto loans & leases complaints
Consumers have filed 28 complaints about Upgrade's auto loans & leases, 16 in the last 12 months. Upgrade answered 100% on time and closed 0% with relief. See the whole Upgrade record.
Upgrade against other auto lenders
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Santander Holdings USA | 2,463 | 100% | 36% |
| 2 | Ally Financial | 1,987 | 100% | 4% |
| 3 | Westlake Financial | 1,921 | 100% | 0% |
| 4 | Credit Acceptance | 1,277 | 99.7% | 4% |
| 5 | Capital One | 1,225 | 100% | 2% |
| 6 | Bridgecrest | 1,019 | 99.5% | 0% |
| 7 | Hyundai Capital America | 996 | 100% | 0% |
| 8 | Toyota Financial Services | 938 | 99.9% | 6% |
| 9 | Exeter Finance | 830 | 99.9% | 0% |
| 10 | Wells Fargo | 686 | 100% | 19% |
| 11 | American Honda Finance | 556 | 99.6% | 0% |
| 12 | American Credit Acceptance | 554 | 100% | 0% |
| 13 | Upgrade | 16 | 100% | 0% |
Latest Upgrade auto loans & leases complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 28, 2026 | Auto loans & leases | Getting a loan or leaseCredit denial | In progress |
| Oct 13, 2026 | Auto loans & leases | Getting a loan or leaseProblem with signing the paperwork | In progress |
| Oct 8, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Sep 26, 2026 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Sep 24, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | In progress |
| Sep 22, 2026 | Auto loans & leases | RepossessionDamage caused or loss of personal items in vehicle during the actual repossession | Explained |
| Sep 18, 2026 | Auto loans & leases | RepossessionDamage caused or loss of personal items in vehicle during the actual repossession | Explained |
| Aug 25, 2026 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | Explained |
| Aug 24, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Aug 7, 2026 | Auto loans & leases | Managing the loan or leaseLoan sold or transferred to another company | Explained |
| Feb 26, 2026 | Auto loans & leases | Getting a loan or leaseHigh-pressure sales tactics | Explained |
| Feb 18, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Feb 7, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
| Jan 29, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem with paying off the loan | Explained |
| Jan 23, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Jan 18, 2026 | Auto loans & leases | RepossessionCompany explaining amount owed | Explained |
| Sep 18, 2025 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | Explained |
| Sep 18, 2025 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Jul 10, 2025 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
| Jul 9, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Jun 19, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Jun 10, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Apr 28, 2025 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Mar 13, 2025 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Jan 30, 2025 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Sep 19, 2024 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Money back |
| Jun 26, 2024 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Mar 30, 2022 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
Your rights with auto lenders
Repossession rules come from your contract and your state's law: in many states a lender can repossess without warning once you default, but it cannot breach the peace, and it must tell you how to get the car back and how it will be sold. You are usually entitled to a refund of unused add-ons such as GAP or service contracts when the loan ends early.
Scam warning: Watch for add-ons slipped into the contract, and get every promise in writing before you sign. A dealer cannot make you buy extras to get the loan.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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