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 |
|---|---|---|---|
| Aug 27, 2025 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
| Aug 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 |
| Aug 12, 2025 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Aug 11, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Aug 8, 2025 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Aug 5, 2025 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Jul 15, 2025 | Auto loans & leases | RepossessionLender trying to repossess or disable the vehicle | Explained |
| Jul 3, 2025 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Jul 3, 2025 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Jun 11, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| May 29, 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 |
| May 28, 2025 | Auto loans & leases | Managing the loan or leaseLoan sold or transferred to another company | Explained |
| May 21, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Mar 24, 2025 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Explained |
| Mar 8, 2025 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Mar 4, 2025 | Auto loans & leases | RepossessionNotice to repossess | Explained |
| Jan 6, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Nov 21, 2024 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Nov 14, 2024 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
| Aug 5, 2024 | Auto loans & leases | Unable to get your credit report or credit scoreOther problem getting your report or credit score | Explained |
| Jul 2, 2024 | Auto loans & leases | RepossessionLender trying to repossess or disable the vehicle | Explained |
| Jun 25, 2024 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| May 6, 2024 | Auto loans & leases | RepossessionCompany communicating payment assistance or payment extension options | Explained |
| Apr 26, 2024 | Auto loans & leases | Managing the loan or leaseProblem with the interest rate | Explained |
| Apr 12, 2024 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Explained |
| Mar 26, 2024 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Feb 22, 2024 | 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 21, 2024 | Auto loans & leases | RepossessionNotice to repossess | Explained |
| Feb 9, 2024 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Jan 17, 2024 | Auto loans & leases | Managing the loan or leaseLoan sold or transferred to another company | 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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