Eligibility Is my car eligible? Is my existing auto loan eligible? Which U.S. states does Andi support? Can Andi make exceptions for unique situations? Am I eligible to refinance my auto loan with Andi? See all articles › Applying to Refinance Your Auto Loan I’ve found the vehicle I want to buy. Can I apply for a direct auto loan with Andi? Are Andi loans available through any car dealerships? Can I apply for a second auto loan with Andi? How will applying to refinance my loan affect my credit? What is the range of interest rates offered on loans, and what is the difference between APR and interest rate? See all articles › Verification and Processing Where can I find my transcript? Can I use my household or spousal income? What documents will I need to provide? What documentation will verify my income? Can I change the term of my loan after I have accepted my loan terms? See all articles › Current Borrowers What portion of my payment is interest vs. principal? What are my payment obligations? What happens if I am late on my payment? Can I change my due date? Can I make additional loan payments? See all articles › Auto Insurance Do I need to contact my insurance company? What if I switch insurers? What if I move? What happens if I’m in an accident? What if my car gets totaled? What if I need to update information on my title? See all articles › About Upstart What is Upstart? How can I contact Andi? See all articles › Popular questions Are Andi loans available through any car dealerships? What is the difference between a soft and hard credit inquiry? Can Andi make exceptions for unique situations? Is my car eligible? How can I contact Andi? Can I apply for a second auto loan with Andi?