up2drive refinances vehicles for personal use only. Vehicles must be currently financed with another financial institution and have an outstanding loan.
The vehicle you are refinancing must meet these Vehicle Eligibility Conditions.
- Loan-to-Value not greater than 110% of Kelley Blue Book (KBB) Retail value. Multiply the KBB Retail value by 1.10 (or 110%). The value of your vehicle cannot exceed this value.
- Mileage: cannot exceed 75,000 miles.
- Vehicle Age: If the requested refinance term is less than or equal to 60 months, vehicle must be no older than 6years. If the requested refinance term is greater than 60 months, vehicle must be no older than 4 years.
Other restrictions:
- No cash-out refinances. The vehicle you wish to refinance must have an existing loan with another financial institution.
- No refinancing of auto leases or end-of-term leases.
- You may only refinance one vehicle with the drive check.
- No vehicles manufactured by Suzuki, recreational vehicles, ATV’s, jet skis, boats, mobile homes, motor homes, camper vans, trailers, conversion vans, commercial vehicles, business vehicles, leased vehicles, amphibious vehicles, armored vehicles, motorcycles, limousines, taxis, tow trucks, tractors, dump trucks, freight liners, farm equipment, kit cars, show cars, branded/junk/salvage/rebuilt title vehicles, grey market vehicles, lemon law vehicles, converted engine vehicles, three-wheeled vehicles, vehicles that do not have a Vehicle Identification Number (VIN) or title issued, repossessed vehicles, vehicles sold through through brokers/auction houses, vehicles sold through independent dealers (non-franchised), vehicles sold to members of the same family/same address and vehicles being sold by a business.
- No powers-of-attorney on vehicle refinance.