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Myautoloan
MyAutoLoan 2023 Auto loan review, 2023-01-01, 00:00:00
Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ins and outs of securely taking out loans to purchase a car.







Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping their readers to take control of their finances through providing precise, well-researched and researched facts that break down otherwise complex topics into manageable bites.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make smarter financial decisions by offering interactive tools and financial calculators that provide objective and unique content. This allows you to conduct research and compare information for free and help you make informed financial decisions. Bankrate has agreements with issuers, including but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site are from companies who pay us. This compensation may impact how and where products are displayed on this website, for example the order in which they appear within the listing categories, except where prohibited by law. Our mortgage, home equity and other home lending products. This compensation, however, does not influence the content we publish or the reviews that you see on this site. We do not contain the universe of companies or financial offerings that could be accessible to you.




About our reviews . Editorial disclosure: All reviews are prepared by staff. The opinions expressed are solely the opinions of the reviewer and have not been checked or acknowledged by any advertiser. The information such as rates and charges, presented in the review is accurate up to the date that the review was written. Check the data at the top of this page, and the lender's site for the most current details.








A first glance 3.9 Rating: 3.9 stars out of 5
Bankrate Score

Rating of Availability: 4.5 stars out of 5
Affordability Rating: Three stars from five
Customers Experience Score: 3.4 stars out of five
A rating of transparency: 4.5 stars out of five


Compare auto loan rates


About MyAutoLoan Amount of loan $5,000 - $100,000
Min. credit score 575
APR from 4.49% depending on loan type
Funds available as early as the next business day



MyAutoLoan Pros and Cons It's easy to find financing deals that are competitive on myAutoLoan's website. However, there are some cons to consider before using the service.
PROS Flexible qualification criteria
Quick funding
Rates published online

CONS Not available in all states
Limited customer support





Do you qualify? The criteria for loan approval varies by depending upon the MyAutoLoan partnership lender that you're matched with. The following requirements are firm all the way around. At least 18 years old Have an FICO credit score of at least 575 Have an annual gross income of $21,600 for non-refinancing purchases Have gross annual earnings of at least 18,000 for auto refinancing. Select a vehicle that is not older than 10 years with under 125,000 miles
What we like and what don't like Here are some of the advantages and drawbacks that myAutoLoan offers in auto loans. We like the flexible qualifications. It is possible to qualify for financing for a brand new or used car if your total annual earnings are at least $21,600 and you have an FICO score of 575 or higher. Fast financing. If you are approved to get an auto loan you can receive the money in as little than 24 hours. Rates posted on the internet. The lowest rates for interest in auto loan products are published daily on the website. What we don't like Not offered in certain states. Borrowers in Alaska and Hawaii are out of myAutoLoan's service areas. Customer support is not available via telephone. There's no number to call if you need assistance. Instead, you'll need make an online request for someone to call you back for assistance. Contact me at myAutoLoan you require additional assistance while applying or would prefer to talk with someone, use the form on the website to drop a message. An individual from the myAutoLoan staff will respond to your request by phone or email.

Auto loan types offered You can use myAutoLoan to investigate the most competitive auto loan purchase refinance, private parties and lease buyout options. Purchase and refinance loans
Quick facts about loans: $10,000 to $100,000 (36 to 84 Months) APR: from 3.69 percent


You can request rates quotes that you can compare to what your usual financial institution is offering or avoid the long lines at the dealership. Even better, you can shop with confidence knowing that you'll be able to negotiate the best deal with a check in hand. Auto refinance loans
The loan amount is From $5,000-$100,000. Terms: 36 to 84 months APR: Beginning at 2.49 percent


If your car's monthly payments are way too high to handle, think about refinancing your vehicle loan. You could be eligible for an interest rate that is lower or longer loan duration, which could aid in keeping more of your hard-earned money in your pocket today or over time. Private-party auto loans
The loan amount is Between $5,000 and $100,000. Terms are 36 to 84 months APR: starting at 2.49%


Did you find a good price on a car through an individual seller? Avoid fees and haggling at the dealership with a private party auto loan. MyAutoLoan can assist you in finding an loan quick to make sure you can take advantage of the offer prior to it expiring. Lease buyout loans
Loan quick facts Amounts: $8,000 to $100,000 Terms range from 36 to 84 months APR: from 2.39 per cent


If you've fallen in love with your lease-to-own vehicle or need to stay clear of fees and penalties , you can buy it at the conclusion of your lease. To know if you can qualify, check out the buyout price you negotiated at the beginning the lease. How to apply for a loan with myAutoLoan The process to apply for a loan through myAutoLoan is fast and simple. Begin by completing an online request form. It takes about two minutes to complete and you'll get as many as four loan offers from the lenders on the myAutoLoan loan network if there's an opportunity to match. In the event that one of these loan proposals is suitable for you, fill out an official application to the lender and upload the required documents.
The information required for application is your driver's license . Pay stub that shows year-to-date earnings car insurance Contact details for personal information


Once you receive the final approval from the lender, you can sign on the loan documents and get an online or check within the next 24 hours. The loan can be used to purchase a used or new vehicle or refinance your existing car loan.
myAutoLoan FAQs
Does myAutoLoan do a hard credit check? Yes but not immediately. You will undergo a hard credit check, which could temporarily lower the credit score of a couple points, after you have chosen a lender.



Is myAutoLoan a reliable lender? Yes, as per the Better Business Bureau myAutoLoan receives an A+ based on the lender's certification and methods.



Does myAutoLoan enforce a prepayment penalty? There will not be a charge for borrowers that pay off their loans in advance.



How Bankrate rate myAutoLoan
Overall score
3.9
The availability
4.5
MyAutoLoan works with lenders that offer loans across 48 states and provide a range of terms and amounts available.
Affordability
3
Maximum APRs are quite high at 25 percent, however its lenders offer a variety of extremely low starting APRs for those with excellent credit.
Customer experience
3.4
Rates are available for 30 days, and myAutoLoan is a 100% online service however it does not have an address or phone number, nor a live chat function.
Transparency
4.5
MyAutoLoan only publishes a portion of its fees and rates, but it does allow potential borrowers to prequalify.


Methodology Bankrate considers 18 data points when rating auto loan lenders. They include credit requirements, loan amount, APR ranges, window for shopping together with fee and rate availability. In all, Bankrate reviewed 33 lenders and gave each an Bankrate rating. It is comprised of four categories that include availability. Types of loans, amounts, of loans, and payment options are analyzed in this section. A variety of options for financing results in a higher score. Affordability. The rates of interest as well as acceptance criteria and current fees are measured here. Customer experience. This is a category that concerns access to online services as well as app availability and the hours of support for customers. Lenders with 24/7 support carry the top ratings. Transparency. This includes public disclosure of any fees as well as the option to apply to be eligible for loan prequalification.
Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely the opinions of the reviewer and have not been reviewed or acknowledged by any advertising company. The information that is included, including rates and fees, presented in the review is accurate as of the date that the review was written. Review the information on the right, and the lender's site for the most recent information.




Written by
Rebecca Betterton
Auto Loans Reporter


Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the details of borrowing money to purchase a car.
The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to manage their finances by providing concise, well-researched, and clear data that breaks otherwise complex subjects into digestible pieces.






Auto loans editor










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