Auto Loan Marketplace · Editor review
myAutoLoan review.
Best for: Borrowers who want to compare offers from 4+ lenders with a single soft-pull application.
What we like
- +Soft-pull pre-qualification — zero FICO impact at application
- +Returns up to 4 lender offers from a single application
- +You choose your lender — full transparency, no auto-matching
- +Approves down to 575 FICO
- +Refinance + lease-buyout + purchase loans all supported
What we don't
- −Doesn't include the very best prime lenders (LightStream, Navy Federal) — those direct apps still win on rate
- −Lead-aggregator economics mean some lender-affiliate fees baked into the APRs you see
- −Newer subprime offers can carry origination fees of 1–4% baked into APR
Editor's verdict
myAutoLoan is one of the cleanest marketplace plays in auto lending. A single soft-pull application returns offers from up to 4 lenders (typically Capital One Auto Navigator, RoadLoans, and 2 specialty lenders). Unlike AutoPay, you actually see the offers and choose your lender — no automatic matching. Best for borrowers in the 600–740 FICO band where the spread across lenders is widest.
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
myAutoLoan FAQ
How is myAutoLoan different from LendingTree?+
myAutoLoan curates a tighter 4-lender network vs. LendingTree's broader 20+. The trade-off is fewer offers but cleaner matching — myAutoLoan's offers come back as actual rate quotes rather than 'lender interested' marketing pings.
Will my credit score drop from using myAutoLoan?+
No — the pre-qualification step is a soft pull (no FICO impact). Only the lender you ultimately choose runs a hard pull at offer acceptance. As long as your shopping happens within a 14-day window, FICO treats auto-loan inquiries as a single inquiry.
What types of loans does myAutoLoan offer?+
Purchase, refinance, lease buyout, and private-party purchase. The private-party option is especially useful since most prime lenders don't write loans for private-party sales — myAutoLoan's marketplace covers that gap.
Are there any application fees?+
No fees from myAutoLoan itself. Some of the lenders in their network charge origination fees (1–4% of loan amount); these are disclosed in the offer detail before you accept.
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