myAutoLoan review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

myAutoLoan is a US car loan marketplace from Horizon Digital Finance, and it suits borrowers with poor credit who want a quote without paying to apply. Rates run 4.99% to 6.49% over terms of 24 to 72, and the site holds licences in California, Ohio and Texas.

Key facts

Best for
Poor credit US buyers wanting a car loan with a soft prequalification and no cost to apply.
APR
4.99% to 6.49% (Source, checked September 26, 2026)
Term
24 to 72 months (Source, checked September 26, 2026)
Arrangement fee
0 USD (no fees or costs to apply) (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Immediate in most cases; offers in minutes (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
No age rule stated; residency, employment and income requirements vary by lender; Chapter 7 or 13 bankruptcy must be discharged or dismissed before you can apply (Source, checked September 26, 2026)
Loan types
Car (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Horizon Digital Finance (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2004 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Official website
myautoloan.com

Apps and profiles

Elsewhere
X

Pros and cons

Pros

  • Applying costs nothing: the origination fee is 0 USD (no fees or costs to apply).
  • Rates run 4.99% to 6.49%, under the 9.99% midpoint for car loans listed here.
  • Credit screening is a soft prequalification (soft prequal), so browsing options need not mean a hard search.
  • Running since 2004, with licences from the California DFPI, the Ohio Department of Commerce and the Texas OCCC.

Cons

  • Support runs on help centre only, so there is no phone line for questions on a live offer.
  • Car loans only: car covers nothing else, so it cannot help with consolidating other debt.
  • Terms stop at 24 to 72, while most car loans listed here reach 84.
myAutoLoan

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • US buyers with poor credit, since poor credit is the band the site works with.
  • Borrowers who want a soft prequalification before agreeing to a full credit search.
  • Shoppers who want several lenders in one place, as this is a marketplace.

Who should look elsewhere

  • Cashspace, whose PHP 12 to PHP 36 is a Philippine rate, for readers who want a non-US cost benchmark.
  • Sofkredit, whose 10.74% to 18.06% sits well above 4.99% to 6.49%, for a sharp contrast on total cost.
  • Creduma ES, which takes no advance commission and charges only when a solution is obtained.

How myAutoLoan compares

Where myAutoLoan is available

Available
United States
Licence in United States
California Department of Financial Protection and Innovation (DFPI) (603-9699), checked September 26, 2026
Licence in United States
Ohio Department of Commerce, Division of Financial Institutions (CI.550146.000), checked September 26, 2026
Licence in United States
Texas Office of Consumer Credit Commissioner (OCCC) (9045-42905), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is there a fee to apply with myAutoLoan?+

No cost is listed to apply. The origination fee is 0 USD (no fees or costs to apply), so nothing is charged for sending an application or seeing matched lenders. What you repay is the interest on the car loan itself, which depends on the lender you are paired with and the vehicle you finance.

What rate does myAutoLoan charge?+

Published rates run 4.99% to 6.49% across the partner network, which sits under the 9.99% midpoint for car loans listed here. Because it is a marketplace, the rate offered depends on which lender responds and on the vehicle, not on a single standard price.

How long are the repayments?+

Repayment terms run 24 to 72. That is shorter than the 84 reached by most car loans listed here, so a loan arranged through this marketplace usually clears sooner, with more interest added each month.

Will applying hurt my credit score?+

The credit check here is a soft prequalification (soft prequal), which lets you see indicative terms without a full credit search. A hard check usually follows only once you accept a specific lender's offer, so comparing first carries less weight on your file.

Who is eligible to borrow?+

There is no age rule stated, and residency, employment and income requirements vary by lender within the network. A bankruptcy must be discharged or dismissed before you can apply. Applicants with poor credit are the main target, with poor credit the band the site works with.

Who regulates myAutoLoan?+

The site is operated by Horizon Digital Finance and is headquartered in the US. Licences are listed with the California Department of Financial Protection and Innovation, the Ohio Department of Commerce Division of Financial Institutions, and the Texas Office of Consumer Credit Commissioner, with numbers published for each, including 603-9699 in California.

How quickly is money available?+

Funding is Immediate in most cases; offers in minutes once an offer is accepted, so a matched car loan can clear the same day you apply. The speed depends on the lender you are paired with, since this is a marketplace rather than one lender setting its own timetable.

How do I contact myAutoLoan?+

Support runs on help centre only, so questions go through the help centre rather than a phone line or live chat. Expect to work through the centre's answers on eligibility, documents and offers, since no other channel is listed.

What can I borrow for?+

Car loans only: car is the sole product on the site. There is nothing here for debt consolidation, home improvement or general personal borrowing, so readers needing those uses should compare other lenders instead.

Sources

  • myautoloan.com checked September 26, 2026

    Backs: Credit check, Founded, Headquarters, Legal entity, Lender type, Loan types

    “myAutoloan (HDF) acquires a "soft" credit inquiry, which does not affect your credit score.”

  • myautoloan.com/affiliate-program.html checked September 26, 2026

    Backs: Credit needed

    “myAutoloan.com can provide auto loans across the full credit spectrum of consumers, with or without perfect credit.”

  • myautoloan.com/contact-us.html checked September 26, 2026

    Backs: Support channels

    “First take a look at the frequently asked questions. You may find the information you are looking for.”

  • myautoloan.com/frequently-asked-questions.html checked September 26, 2026

    Backs: Eligibility, Funding time, Arrangement fee, Term

    “Residency requirements will vary by lender”

  • myautoloan.com/hdf-license-information.html checked September 26, 2026

    Backs: Licences

  • myautoloan.com/interest-rate-chart.html checked September 26, 2026

    Backs: APR

    “New Auto: 4.99% (36 mths or less) to 6.49% (73-84 mths), lowest APRs recently offered by participating lenders”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Loan amount, Representative example.

myAutoLoan

myAutoLoan

Poor credit US buyers wanting a car loan with a soft prequalification and no cost to apply.

8.9/10See alternatives

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