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Myautoloan

MyAutoLoan: 2023 Auto loan review published 2023-01-01 at 00:00:00.

Writen 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 ways and pitfalls of borrowing money to purchase a car.

The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers to control their finances with clear, well-researched data that breaks otherwise complicated topics into bite-sized pieces.

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial decisions by offering interactive tools and financial calculators as well as publishing reliable and original content. This allows users to conduct research and compare data for free and help you make informed financial decisions. Bankrate has partnerships with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site come from companies that pay us. This compensation could affect how and where products appear on this website, for example, for example, the order in which they may appear within the listing categories, except where prohibited by law. Our mortgage, home equity and other home lending products. This compensation, however, does affect the information we publish, or the reviews you read on this site. We do not include the entire universe of businesses or financial offerings that could be open to you.

About our reviews . Editorial disclosure: All reviews are prepared by staff. The opinions expressed are solely the opinions of the reviewer and are not reviewed or acknowledged by any advertiser. The information, including rates and fees provided in the review are accurate as of the date when the review first appeared. Check the data at the top of this page as well as the lender’s site for the most up-to-date information.

At a glance 3.9 rating: 3.9 stars out of five

Bankrate Score

Rating of Availability: 4.5 stars out of 5

Affordability Rating: 3.0 stars of 5.

Customer Experience Rating: 3.4 five stars from 5

Transparency Rating: 4.5 stars out of 5

Check auto loan rates

About MyAutoLoan The loan amount is $5,000 to $100,000

Min. credit score 575

APR starting at 4.49% to 4.49 %, based on loan type

Funds available as early as the next business day

MyAutoLoan pros and cons It’s simple to find financing deals that are competitive on the myAutoLoan website. There are a few disadvantages to take into consideration before using the service.

PROS Flexible qualification criteria

Rapid funding

Rates published on the internet

The CONS service isn’t available for all states.

Limited customer support

Do you qualify? The criteria for loan approval requirements vary based upon the MyAutoLoan partnership lender you’re matched to. These requirements are strict throughout the board. Be at least 18 years old Have an FICO credit score of at least 575 Have the gross earnings per year of $21,600 for a non-refinancing purchase Be earning gross annual earnings of at least 18,000 for auto refinancing Choose 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 advantages and disadvantages that myAutoLoan offers in auto loans. We love the flexibility of eligibility criteria. You may be able to be eligible for financing for a brand new or used vehicle if your gross annual income is less than $11,600, and you possess a FICO score of 575 or more. Quick funding. If approved for an auto loan you can receive the money in as little as 24 hours. Rates posted online. The lowest interest rates on automotive loan products are published every day on the site. We don’t like the fact that they are not available in some states. Borrowers from Alaska and Hawaii are out of myAutoLoan’s service footprint. Support for customers is not available by phone. There is no toll-free number that you can call for assistance. Instead, you’ll be required to submit an online request for someone to contact you in case you require assistance. Contact me at myAutoLoan you require assistance with applying or would prefer to speak to someone, use the form on the site to drop a message. The myAutoLoan team will respond to your request by email or phone.

Auto loan options are available. You can use myAutoLoan to explore competitive auto loan purchase, refinance, private party and lease buyout options. New and used purchase loans

The loan amount is $8,000 to $100,000 Terms (36 to 84 Months) APR: Starting at 3.69 percent

Get rate quotes to compare against what your usual financial institution is offering or avoid waiting in line at the dealership. Even better, you can shop with confidence as you’ll be able to negotiate the best deal with a check in hand. Refinance auto loans

The loan amount is $5,000 to $100,000 Terms of the loan: 36 to 84 month APR: Beginning at 2.49%

If your car’s monthly payments are far too expensive in your financial budget, you might want to consider refinancing your car loan. You could be eligible for lower interest rates or an extended loan time, which will allow you to keep more of your hard-earned money in your pocket now or over time. Private-party auto loans

Loan quick facts Amounts: $5,000 to $100,000 Terms: 36 to 84 months APR: beginning at 2.49 percent

Did you get a bargain deal on a car from an individual seller? You can avoid fees and haggling in the dealer with an auto loan. MyAutoLoan will help you locate the loan fast to ensure you get the most benefit from the offer when it’s over. Lease buyout loans

Quick facts about loans: $8,000 to $100,000 Terms range from 36 to 84 months APR: from 2.39 percent

If you’ve been in love with your automobile that you lease — or simply need to stay clear of fees and charges, you could purchase it at the end of your lease. To know if you can be eligible, look up the buyout cost you agreed upon at the start of your lease. How do you apply for a loan through myAutoLoan. The process of applying for a loan with myAutoLoan is fast and simple. Begin by filling out your inquiry online. It takes two minutes to fill out, and you’ll receive as many as four loan offers from the lenders in the myAutoLoan network , if there’s an agreement. If one of the loan offers works for you, submit a formal application with your lender and upload the necessary documents.

Information required to apply for your driver’s license . Pay stub that is year-to date in its earnings. Proof of automobile insurance Contact information for personal information

After you have received the final approval from the lender, you can accept your loan documents and receive your check or online certificate within 24 hours. The loan can be used to purchase a new or used vehicle or refinance your existing car loan.

MyAutoLoan FAQs

Does myAutoLoan do a hard credit check? Yes however, not immediately. You’ll be subject to a thorough credit pull, which may temporarily drop you credit rating by several points when you choose a lender.

Is myAutoLoan a trustworthy lender? Yes, as per the Better Business Bureau myAutoLoan receives an A+ based on the lender’s accreditation and the practices it follows.

Does myAutoLoan enforce a prepayment penalty? No, there will not be any fees for borrowers who repay their loans in advance.

How Bankrate charges myAutoLoan

Overall score

3.9

The availability

4.5

MyAutoLoan collaborates with lenders who provide loans in 48 states and provide a range of terms and amount options.

Affordability

3

Maximum APRs are quite steep at 25 percent. However, its lenders offer a variety of very low APRs as a starting point for applicants with excellent credit.

Customer experience

3.4

Rates are available for 30 days. MyAutoLoan is a 100% online service, but it doesn’t have an address or phone number, nor live chat.

Transparency

4.5

MyAutoLoan only publishes a portion of its rates and fees, but it does allow prospective borrowers to apply for.

Methodology Bankrate considers 18 data points when rating the auto loan lenders. These include credit requirements, loan amount, APR ranges, the shopping window, together with fee and rate availability. In all, Bankrate reviewed 33 lenders and gave each an Bankrate rating. This consists of four categories: Availability. The types of loans, loan amounts of loans, and payment options are analyzed in this section. A variety of financing options results in a higher score. Affordability. The interest rates as well as acceptance criteria and current fees are measured here. Customer experience. This category concerns online access as well as app availability and hours of customer support. Lenders with 24/7 support carry the highest available ratings. Transparency. This includes the public disclosure of any fees and the possibility of applying to be eligible for loan prequalification.

Editorial disclosure The reviews are written by Bankrate.com staff. The opinions expressed are solely those of the reviewer , and have not been reviewed or acknowledged by any advertiser. The information such as rates and charges that are included in the review are accurate at the time of the review. Look over the information at the top of this page, and the lender’s website to find the most current details.

Written by

Rebecca Betterton

Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the details of borrowing money to purchase an automobile.

The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers gain confidence to take control of their finances with clear, well-researched facts that break down complex topics into manageable bites.

Auto loans editor

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How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or for you clicking specific links on our site. This compensation could affect the way, location and in what order items are displayed within the categories of listing in the event that they are not permitted by law. This is the case for our mortgage and home equity products, as well as other products for home loans. Other factors, such as our own website rules and whether a product is available within your area or at your self-selected credit score range could also affect how and where products appear on this site. While we strive to provide the most diverse selection of products, Bankrate does not include specific information on every financial or credit product or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |

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