Auto Loan · Head-to-head
LightStream vs myAutoloan: Which auto loan wins?
Side-by-side comparison of LightStream and myAutoloan auto loan — APR ranges, credit floors, application speed, and editorial verdict.
LightStream
Lowest published APRs in the market for borrowers with 700+ FICO. Same-day funding and zero fees, but no co-signer option and a strict credit floor.
myAutoloan
Multi-purpose marketplace covering purchase + refi + lease buyout in a single flow. Median time to first offer is ~5 minutes — fastest of any marketplace. Subprime floor (575 FICO) is the lowest among the top-tier marketplaces.
In plain English
myAutoloan wins on both dimensions — lower APR floor (5.99% vs 6.94%) AND lower credit floor (575+ vs 660+ FICO). LightStream can still be the better fit when application speed or loan-amount ceilings matter more — see the verdicts below.
Side-by-side breakdown
| Feature | LightStream | myAutoloan |
|---|---|---|
| APR range | 6.94–14.94% | 5.99–22.99% |
| Min credit score | 660 | 575 |
| Loan amount | $5K–$100K | $8K–$100K |
| Term length | 24–84 mo | 24–84 mo |
| Overall rating | 4.8/5 | 4.5/5 |
| Rates & APR score (40%) | 4.9 | 4.4 |
| Loan terms score (25%) | 4.7 | 4.6 |
| Application score (20%) | 4.8 | 4.7 |
| Support score (15%) | 4.7 | 4.2 |
APR range
LightStream
6.94–14.94%
myAutoloan
5.99–22.99%
Min credit score
LightStream
660
myAutoloan
575
Loan amount
LightStream
$5K–$100K
myAutoloan
$8K–$100K
Term length
LightStream
24–84 mo
myAutoloan
24–84 mo
Overall rating
LightStream
4.8/5
myAutoloan
4.5/5
Rates & APR score (40%)
LightStream
4.9
myAutoloan
4.4
Loan terms score (25%)
LightStream
4.7
myAutoloan
4.6
Application score (20%)
LightStream
4.8
myAutoloan
4.7
Support score (15%)
LightStream
4.7
myAutoloan
4.2
Editor verdicts
Why we rate LightStream 4.8/5
Lowest published APRs in the market for borrowers with 700+ FICO. Same-day funding and zero fees, but no co-signer option and a strict credit floor.
Read the full LightStream reviewWhy we rate myAutoloan 4.5/5
Multi-purpose marketplace covering purchase + refi + lease buyout in a single flow. Median time to first offer is ~5 minutes — fastest of any marketplace. Subprime floor (575 FICO) is the lowest among the top-tier marketplaces.
Who should pick which?
Pick LightStream if…
- You prefer a fast, soft-pull-friendly online application.
- You want flexible loan terms and amount ranges.
Pick myAutoloan if…
- You have strong credit and want the lowest published APR (from 5.99%).
- Your FICO is closer to 575 — you need a lender with a lower credit floor.