myAutoloan review
Auto loan marketplace that returns up to four prequalified offers from one form. Borrowers who want to compare a few lender offers side by side before deciding where to refinance. We rank it #4 of 8 in our auto loan refinance comparison, with an editorial score of 8.5 out of 10.
myAutoloan scores well on Lender access & flexibility because one form can return up to four prequalified offers, and on Credit check transparency because it says its own check is a soft inquiry while noting that lenders may run soft or hard inquiries. It also does well on Eligibility clarity for stating the states it serves. It scores lower on Borrower support because, as a marketplace, servicing and help after funding come from the lender you choose.
How we score auto loan refinance
Visit site (myAutoloan, opens in a new tab)Quick facts
Overview
myAutoloan is an auto loan marketplace operated by Horizon Digital Finance. It is not a lender. You complete one online form, and myAutoloan sends your details to lenders in its network and returns up to four prequalified offers for refinancing, new or used purchases, private party purchases or lease buyouts.
Its site says myAutoloan's own credit check is a soft inquiry that does not affect your credit score, but lenders reviewing your request may run a soft or hard inquiry. That distinction matters: using the form can still lead to hard inquiries from lenders. Its site also notes that scoring models usually count multiple auto loan inquiries within a short window as one.
myAutoloan says the service is free and that you can walk away from the offers at no cost. It serves 48 states, excluding Alaska and Hawaii. As published on myAutoloan's site in November 2026, refinance rates start as low as 3.99% APR and may be higher based on your credit; rates change, check your rate on the lender's site.
Pros and cons
Pros
- Several offers to compare at once
- Clear note that lenders may run their own inquiries
- Covers several loan types
Cons
- Not a lender, so terms and servicing come from the lender
- Lenders may run hard inquiries
- Not available in Alaska or Hawaii
Key features
- Up to four prequalified offers from one form
- Soft inquiry by myAutoloan; lenders may run soft or hard
- Free to use, with no obligation to accept
- Refinance, purchase, private party and lease buyout loans
- Available in 48 states
Who myAutoloan is for
A good fit if
Borrowers who want to compare a few lender offers side by side before deciding where to refinance.
Look elsewhere if
Anyone in Alaska or Hawaii, or anyone who wants to avoid any chance of a hard inquiry from a lender.
How we scored myAutoloan
myAutoloan scores well on Lender access & flexibility because one form can return up to four prequalified offers, and on Credit check transparency because it says its own check is a soft inquiry while noting that lenders may run soft or hard inquiries. It also does well on Eligibility clarity for stating the states it serves. It scores lower on Borrower support because, as a marketplace, servicing and help after funding come from the lender you choose.
Our auto loan refinance score weighs credit check transparency (25%), cost & fee transparency (25%), lender access & flexibility (20%), eligibility clarity (15%), borrower support (15%). See the methodology.
myAutoloan alternatives
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#1
RateGenius
Best overallRefinance platform with a large lender network and a clear explanation of soft and hard credit checks.
- Network of more than 150 lenders, per its site
- Soft inquiry to prequalify; hard inquiry when you apply
- Apply online or by phone
- Title and paperwork guidance
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#2
RefiJet
Best for published requirementsConsultant-led refinance service that publishes its rate, term and eligibility ranges up front.
- Published APR, term, amount, credit score and income ranges
- Terms up to 96 months
- No fee to apply, per its site
- Possible payment deferral of up to three months
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#3
Auto Approve
Best for flexible termsRefinance service with soft-pull quotes, long term options and a deferred first payment for some borrowers.
- Soft inquiry to quote; hard inquiry only if you move forward
- Quote without a Social Security number, per its site
- Terms typically 12 to 96 months
- Refinances cars, trucks, SUVs, motorcycles and RVs
Head-to-head
myAutoloan FAQ
Does myAutoloan affect my credit score?
myAutoloan's site says its own credit check is a soft inquiry that does not affect your score. Lenders that review your request may run a soft or hard inquiry.
Is myAutoloan a lender?
No. myAutoloan is a marketplace operated by Horizon Digital Finance. It returns offers from lenders in its network, and the lender you choose sets the terms.
Where is myAutoloan available?
Its site says it serves 48 US states and does not serve Alaska or Hawaii.
Sources and fact check
We checked the facts on this page against myAutoloan's own website on . Published ranges are quoted as shown on the provider's site on November 14, 2026; they change, so check the current figures before you apply.