Auto Loan · Head-to-head
myAutoloan vs AutoPay: Which auto loan wins?
Side-by-side comparison of myAutoloan and AutoPay auto loans — APR ranges, credit floors, application speed, and editorial verdict.
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.
AutoPay
Marketplace pulls offers from 20+ lenders with a single soft credit pull. Best for borrowers shopping multiple credit bands without the rate-shopping window risk.
Editor's verdict
myAutoloan wins for speed + subprime floor; AutoPay wins for prime APR + curated partner network.
myAutoloan delivers up to 4 competing offers in median ~5 minutes — fastest in the marketplace category — and accepts down to 575 FICO. AutoPay's curated ~20-lender network typically offers tighter APRs for prime borrowers (5.69% floor vs myAutoloan's 5.99%). For 580-660 FICO or speed-critical scenarios: myAutoloan. For 700+ FICO standard purchase: AutoPay.
- myAutoloan returns 4 offers in median ~5 minutes — fastest in the category.
- AutoPay's prime-floor APR (5.69%) beats myAutoloan's (5.99%) for 700+ FICO.
- myAutoloan accepts 575 FICO; AutoPay's floor is 580.
Side-by-side breakdown
| Feature | myAutoloan | AutoPay |
|---|---|---|
| APR range | 5.99–22.99% | 5.69–17.99% |
| Min credit score | 575 | 580 |
| Loan amount | $8K–$100K | $5K–$100K |
| Term length | 24–84 mo | 24–84 mo |
| Overall rating | 4.5/5 | 4.7/5 |
| Rates & APR score (40%) | 4.4 | 4.6 |
| Loan terms score (25%) | 4.6 | 4.8 |
| Application score (20%) | 4.7 | 4.9 |
| Support score (15%) | 4.2 | 4.5 |
APR range
myAutoloan
5.99–22.99%
AutoPay
5.69–17.99%
Min credit score
myAutoloan
575
AutoPay
580
Loan amount
myAutoloan
$8K–$100K
AutoPay
$5K–$100K
Term length
myAutoloan
24–84 mo
AutoPay
24–84 mo
Overall rating
myAutoloan
4.5/5
AutoPay
4.7/5
Rates & APR score (40%)
myAutoloan
4.4
AutoPay
4.6
Loan terms score (25%)
myAutoloan
4.6
AutoPay
4.8
Application score (20%)
myAutoloan
4.7
AutoPay
4.9
Support score (15%)
myAutoloan
4.2
AutoPay
4.5
Editor verdicts
Why 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.
Why we rate AutoPay 4.7/5
Marketplace pulls offers from 20+ lenders with a single soft credit pull. Best for borrowers shopping multiple credit bands without the rate-shopping window risk.
Who should pick which?
Pick myAutoloan if…
- Your FICO is closer to 575 — you need a lender with a lower credit floor.
Pick AutoPay if…
- You have strong credit and want the lowest published APR (from 5.69%).
- You prefer a fast, soft-pull-friendly online application.
- You want flexible loan terms and amount ranges.
Frequently asked questions
Answers to the most-searched questions about myAutoloan vs AutoPay.
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