Home › Compare › MyAutoLoan vs LightStream
Head-to-Head · April 2026

MyAutoLoan vs LightStream

Side-by-side comparison of rates, terms, approval criteria, and use cases to help you choose between MyAutoLoan and LightStream for your 2026 auto loan.

Side-by-Side Comparison

Marketplace
EDITOR'S PICK
MyAutoLoan
5.99% APR from
Score: 8.7/10

Best for: Borrowers who want multiple competing offers at once

Pros

  • Up to 4 competing offers
  • Supports private party
  • Decisions in minutes

Cons

  • $8K minimum loan
  • $24K income minimum
  • Up to 4 lenders contact you
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Online Direct
LightStream
6.99% APR from
Score: 8.3/10

Best for: Good-credit borrowers buying unusual, classic, or high-value vehicles

Pros

  • No vehicle restrictions
  • Same-day funding
  • Rate Beat Program
  • Up to $100K+

Cons

  • Requires good credit 680+
  • Rates not lowest for standard vehicles
  • Unsecured loan structure
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Our Verdict

MyAutoLoan rates slightly ahead overall with a 8.7/10 score versus 8.3/10. Choose LightStream if you specifically need good-credit borrowers buying unusual, classic, or high-value vehicles.

Detailed Comparison Table

FeatureMyAutoLoanLightStream
Starting APR5.99%6.99%
Editor Score8.7/108.3/10
Lender TypeMarketplaceOnline Direct
Min Credit Score550680
Loan Terms24–84 mo24–84 mo
Best ForBorrowers who want multiple competing offers at once...Good-credit borrowers buying unusual, classic, or high-value...
Affiliate Disclosure: We may earn a commission from both lenders when you apply. Comparison is editorial and based on published data verified April 2026. Rates depend on your credit, income, vehicle, and state. Our methodology →

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