myAutoloan vs LendingTree Auto Refinance
Choose myAutoloan if you want up to four prequalified offers from one form and a clear statement that its own credit check is a soft inquiry. Choose LendingTree if you want to browse many lenders' published ranges and compare a wider market. Neither is a lender, and lenders on both may run their own credit checks.
myAutoloan
Best for comparing offers
LendingTree Auto Refinance
Best for browsing many lendersmyAutoloan vs LendingTree Auto Refinance at a glance
| myAutoloan | LendingTree Auto Refinance | |
|---|---|---|
| Company type | Marketplace (not a lender) | Marketplace (not a lender) |
| Credit check to see offers | Soft by myAutoloan; lenders may run soft or hard | Not stated for its form; applying means a hard pull |
| Offers returned | Up to four prequalified offers | Offers from lenders in its network |
| Loan types | Refinance, purchase, private party, lease buyout | Refinance and purchase, plus other credit |
| Availability | 48 states (not Alaska or Hawaii) | Check lender availability by state |
| Our editorial score | 8.5 / 10 | 8.1 / 10 |
Which should you choose?
Pick myAutoloan if you want a short list of prequalified offers and a clear note on credit checks.
Pick LendingTree if you want to scan many lenders' published ranges before deciding where to apply.
How they differ
myAutoloan and LendingTree are both marketplaces, not lenders. You fill out one form and see offers from lenders in their networks. The lender you choose sets the rate and terms, makes the credit decision and services the loan.
Credit checks
myAutoloan's site is clear on its own check: it says myAutoloan acquires a soft credit inquiry that does not affect your score, while lenders reviewing your request may run a soft or hard inquiry. LendingTree's auto refinance page does not say what type of check its own form uses; it does say applying for a refinance loan can cause a short-term dip because of the hard pull, and some listed lenders say checking rates has no credit impact. With either marketplace, assume a lender may run a hard inquiry once you move forward, and keep your rate shopping within a short window.
Offers and choice
myAutoloan returns up to four prequalified offers, which keeps the comparison manageable. LendingTree's page lists many lenders with their own starting APRs, terms and loan amounts, which is useful for understanding the market before you apply anywhere. LendingTree discloses that it is compensated by companies whose listings appear on its site and that this can affect how they appear.
Coverage
myAutoloan covers refinancing, new and used purchases, private party purchases and lease buyouts in 48 states, excluding Alaska and Hawaii. LendingTree covers auto loans along with personal loans, mortgages and credit cards; check each lender's state availability.
Marketing
Using any marketplace can lead to follow-up emails or calls from the marketplace or its lenders. Read the consent language on the form before you submit it.
The bottom line
If you want a quick, focused comparison with a clear note on credit checks, start with myAutoloan. If you want to see how many lenders price refinance loans before choosing, browse LendingTree. Either way, compare offers on APR, fees and total cost, and check a direct lender or credit union too.
myAutoloan vs LendingTree Auto Refinance FAQ
Are myAutoloan and LendingTree lenders?
No. Both are marketplaces that show offers from lenders in their networks. The lender you choose sets the terms and makes the credit decision.
Will using myAutoloan or LendingTree hurt my credit?
myAutoloan says its own check is a soft inquiry, but lenders may run soft or hard inquiries. LendingTree's refinance page says applying for a loan involves a hard pull. Check the consent language before you submit.