Auto loans & leases
Upstart auto loans & leases complaints
Consumers have filed 109 complaints about Upstart's auto loans & leases, 49 in the last 12 months (+69%). Upstart answered 100% on time and closed 12% with relief. See the whole Upstart record.
Upstart 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 | Upstart | 49 | 100% | 12% |
Latest Upstart auto loans & leases complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Auto loans & leases | RepossessionCompany explaining amount owed | In progress |
| Nov 8, 2026 | Auto loans & leases | RepossessionVoluntary repossession | In progress |
| Nov 5, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | In progress |
| Nov 1, 2026 | Auto loans & leases | RepossessionLender trying to repossess or disable the vehicle | In progress |
| Oct 21, 2026 | Auto loans & leases | RepossessionNotice to repossess | Explained |
| Oct 14, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Oct 9, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | In progress |
| Oct 2, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | In progress |
| Aug 14, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Jul 31, 2026 | Auto loans & leases | Getting a loan or leaseChanges in terms mid-deal or after closing | Explained |
| Jul 15, 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 |
| Jul 14, 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 |
| Jul 13, 2026 | Auto loans & leases | RepossessionAccount reinstatement or redemption after repossession | Explained |
| Jul 8, 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 |
| Jul 7, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Jul 7, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Jun 27, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Jun 25, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Jun 24, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Jun 19, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Jun 16, 2026 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | Explained |
| Jun 12, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Money back |
| Jun 4, 2026 | Auto loans & leases | RepossessionCompany communicating payment assistance or payment extension options | Explained |
| May 28, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| May 28, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem while selling or giving up the vehicle | Money back |
| May 21, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
| May 14, 2026 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | Explained |
| May 5, 2026 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Money back |
| Apr 20, 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 |
| Apr 14, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | 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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