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 |
|---|---|---|---|
| Apr 11, 2026 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Apr 11, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem while selling or giving up the vehicle | Explained |
| Apr 10, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Mar 31, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem with paying off the loan | Explained |
| Mar 23, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Money back |
| Mar 13, 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 |
| Feb 26, 2026 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Explained |
| Feb 26, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
| Feb 24, 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 |
| Feb 17, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Feb 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 |
| Jan 20, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
| Jan 16, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem while selling or giving up the vehicle | Explained |
| Jan 4, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Jan 2, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Money back |
| Dec 19, 2025 | Auto loans & leases | RepossessionDamage caused or loss of personal items in vehicle during the actual repossession | Explained |
| Dec 11, 2025 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Nov 21, 2025 | Auto loans & leases | RepossessionCompany communicating payment assistance or payment extension options | Explained |
| Nov 18, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Nov 12, 2025 | Auto loans & leases | Problems at the end of the loan or leaseProblem while selling or giving up the vehicle | Explained |
| Oct 27, 2025 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
| Oct 20, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Oct 15, 2025 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Oct 11, 2025 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Sep 30, 2025 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Sep 19, 2025 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Sep 17, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Sep 14, 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 |
| Sep 9, 2025 | Auto loans & leases | RepossessionAccount reinstatement or redemption after repossession | Explained |
| Aug 27, 2025 | 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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