myAutoloan vs Autopay 2026: Which Is Better to Refinance?

If you’re thinking about refinancing your car, myAutoloan and Autopay will both come up fast. They look similar from the outside. You fill in a form, lenders look at your file, and you get offers back. But they’re built for different jobs. Autopay is refinance first, with purchase and lease buyout on the side. myAutoloan is a general auto loan marketplace that covers refinance alongside new, used, private party and lease buyout loans.

There’s also something most comparison posts don’t tell you. Autopay isn’t a standalone company. It’s owned by The Savings Group, the same parent as RateGenius. So if you were planning to “shop around” by trying Autopay and then RateGenius, you’re shopping inside the same family.

I’m Trevor Fenner. I’ve been selling physical products online for fifteen years, and a big part of that job is reading price sheets and the fine print under them. For this post I read both companies’ own pages on 22 September 2026. Every figure here comes from the vendor’s own site. If a number isn’t published, I say “not published” instead of filling the gap.

Quick note before we go further: this is general information, not financial advice. Rates and terms change, so check the lender’s current terms before you apply. I’m not a lender and I’m not a financial adviser.

Affiliate disclosure: the myAutoloan links on this page are monetised affiliate links. myAutoloan pays us per lead, meaning we get paid when you submit its form, whether or not you end up with a loan. Autopay pays us nothing, and neither does any other competitor linked here (RateGenius, LendingTree, PenFed, Caribou). The Shopify, Bizee and Hiscox links in the business section near the end are affiliate links too. Where Autopay is the better fit, I say so.

The Short Answer

If you want a straightforward refinance, a bigger loan, a longer term or cash back, Autopay publishes more of what you need to know up front: loan amounts from $2,500 to $100,000, terms from 24 to 96 months for qualified applicants, and cash-back refinancing up to $12,000. If you want private party financing, or you want one form that covers purchase and refinance across several loan types, myAutoloan covers more ground. On fees, both say they don’t charge you to apply, and both leave lender fees to the lender. Autopay is actually more upfront about what those fees are.

myAutoloan vs Autopay: Head to Head

Feature	myAutoloan	Autopay
What it is	myAutoloan is a marketplace run by Horizon Digital Finance, LLC, “not acting as a lender or loan broker”	Autopay is AUTOPAY Direct, Inc., a subsidiary of The Savings Group, the parent of RateGenius
Main focus	General auto loan marketplace	Refinance first
Products	New, used, refinance, private party, lease buyout	Auto refinance, purchase, lease buyout, cash-out refinance, plus vehicle service contracts and GAP
Loan amounts	Minimum $8,000 on used car loans; maximum not published	$2,500 to $100,000
Terms	Rate chart runs from 36 months or less up to 84 months	24 to 96 months for qualified applicants
Cash back on refinance	Not published	Up to $12,000, depending on loan-to-value and lender eligibility
Fees from the platform	“HDF does not charge consumers a fee to use its service”	“We don’t charge an application fee”
Lender fees	Not described on its pages; up to the lender	“Title filing/lien transfer fees apply”; origination fee may apply by state
Refinance rate floor	As low as 4.24% APR (36 months or less), as of August 18, 2026	Not published
Refinance income minimum	$1,500 a month	“verifiable income”, no figure published
Credit pull	Soft by HDF; lenders may run soft or hard inquiries	Not published on the pages I read
Offer validity	Usually 30 days, per its FAQ	30 days
States	48 states, excludes Alaska and Hawaii	Not published on the pages I read; rates “may not be available in all states”
Pays this site	Yes, per lead	No

Every APR here is an “as low as” figure, not an offer. Most borrowers get higher rates. I’ll unpack each row below.

Who Owns Autopay (and Why It Matters)

Autopay’s legal page is very clear about this: “The Savings Group, Inc. and its operating subsidiaries, including but not limited to RateGenius Loan Services, Inc. d/b/a RateGenius, and AUTOPAY Direct, Inc. d/b/a AUTOPAY, and Innovative Funding Services Corporation d/b/a Tresl (collectively “TSG”), is headquartered in Austin, Texas and Denver, Colorado.”

The same page says: “All lenders in the TSG network are FDIC-insured banks, credit unions or licensed lenders.”

So Autopay and RateGenius are sister brands under one roof. Don’t treat them as two independent quotes. Even the savings footnotes match word for word: “This value was calculated by using the average monthly payment savings for our customers from March 2, 2026 to August 31, 2026.” If you want a genuinely different second opinion on a refinance, pair one TSG brand with something outside the group, like a credit union or a separate marketplace.

myAutoloan is run by Horizon Digital Finance, LLC out of Irving, Texas. Its privacy policy lists sister brands too: “Horizon Digital Finance LLC, (a/k/a myAutoloan.com, OneHourFinance.com, Lendfox.com)”. Same idea. Know who’s behind the form before you fill it in.

What Each One Actually Is

myAutoloan’s disclosures say: “Horizon Digital Finance, LLC (“HDF”) is not acting as a lender or loan broker and does not make extensions of credit to consumers.” Its homepage calls it “an auto loan marketplace”. Its About page does say “Direct lending with up to 4 offers in minutes!”, but that line contradicts its own legal text. It’s a marketplace, not a lender. My full myAutoloan review goes through how the process works.

Autopay describes its lender side in the FAQ this way: “AUTOPAY partners with a network of trusted credit unions and financing institutions across the country”. The loans come from those partners. On minimum APR, the FAQ answer is simply: “Our network of trusted lending partners compete to deliver you the lowest interest rates available”. No number.

Refinance Use Cases, Side by Side

This is where the two really split. Let’s run through the common reasons people refinance and see who handles each one.

Straight rate and term refinance

Both do it. myAutoloan’s refinance page lists an income floor of “$1,500 per month or $18,000 per year” and advertises refinance as low as 4.24% APR for 36 months or less, as of August 18, 2026. That’s the lowest rate participating lenders recently offered, and its own rate FAQ says “most borrowers will qualify for rates above the lowest advertised figures.”

Autopay’s refinance page lists what you need without figures: “A current auto loan with a minimum loan amount”, “An eligible loan-to-value ratio on your car” and “A stable credit history and verifiable income”. It doesn’t publish an APR floor. The footer says rates are “For well-qualified borrowers. Rates are subject to change and may not be available in all states. Customers must meet income qualifications, debt to income requirements and other vehicle restrictions such as loan to value, age, and mileage.”

So myAutoloan tells you more about rates and income. Autopay tells you more about loan size and term.

Cash-out refinance

Autopay offers it and puts a number on it: “Choose a cash-back refinance and receive up to $12,000, depending on your loan-to-value ratio and lender eligibility.” myAutoloan doesn’t list cash-out refinance as a product. If you need cash out of your car, Autopay is the one of these two built for it.

Real talk, though. Pulling cash out of a depreciating asset to pay other bills is something I’d think hard about. You’re putting more debt on a car that’s losing value every month.

Lease buyout

Both offer it. myAutoloan advertises lease buyout as low as 3.90% APR, as of August 18, 2026, the lowest rate participating lenders recently offered, with most borrowers seeing higher rates. It doesn’t list an income minimum on that page. Autopay lists lease buyout in its product menu but doesn’t publish a rate.

Big balances and long terms

Autopay’s FAQ says “We offer loan amounts from $2,500 to $100,000.” and “We can offer terms from 24 months to 96 months for qualified applicants.” myAutoloan publishes no maximum loan amount, and its rate chart tops out at a 73 to 84 month column.

That 96 month option is where you need to be careful. A longer term lowers your payment but can raise what you pay overall. Autopay’s own legal page says it: “A reduced monthly payment does not necessarily mean that you will pay less overall with a new loan. If you choose to extend the new term from your remaining term for more monthly savings, you may pay more in interest”. I’ll show you the math in a minute.

Private party purchase

myAutoloan offers it, advertised as low as 7.24% APR as of August 18, 2026, the lowest rate participating lenders recently offered, with most borrowers seeing higher rates. Autopay’s product menu doesn’t list private party. If you’re buying from a private seller, myAutoloan wins this row.

Fees: “No Fee” Doesn’t Mean No Fees

This is the row where both companies need a careful read.

myAutoloan says: “HDF does not charge consumers a fee to use its service. However, HDF may receive compensation from Lenders or Credit Sources for marketing services or referrals.” That’s true for HDF itself. What it doesn’t cover is what the lender charges you. Origination, title and state fees depend on the lender, and myAutoloan’s pages don’t describe them.

Autopay’s refinance page says: “No hidden costs: We don’t charge an application fee, and you’ll see all disclosures before signing.” Then its legal page says: “Title filing/lien transfer fees apply. Depending on your state of residence, a loan origination fee may apply.”

Here’s the funny thing. Autopay’s “no hidden costs” line sits next to a legal page that names the fees. myAutoloan’s “no fee” line sits next to pages that name nothing. You’ll face title and lien costs on basically any refinance, because your new lender has to get onto the title either way. Autopay just tells you so up front.

So the fee comparison is closer than it looks. Both are free to apply. Neither controls what the lender charges. Autopay gets the point for being more honest about it in writing.

Credit Pulls

myAutoloan says on its homepage: “myAutoloan (HDF) acquires a “soft” credit inquiry, which does not affect your credit score.” The same homepage also says “Submitting an Offer Form may result in soft credit and/or hard credit inquiries from the Lenders.” So HDF’s pull is soft, and the lenders’ may not be.

Autopay: I couldn’t find a statement on whether its pre-qualification is a soft or hard inquiry on the pages I read. Its FAQ has a question about rate shopping, and the answer starts “In order to have the lowest impact on your credit score, you should rate shop within a two-week” window. That’s advice, not a statement about its own pull. Ask before you submit if this matters to you.

For timing, myAutoloan’s own site says scoring models group auto inquiries over “14 days for VantageScore and older FICO models, 45 days for newer FICO models.” Keep all your applications inside two weeks and you’re covered under both.

Data Sharing and Contact

With myAutoloan, submitting means you “authorize and provide consent for HDF to share your information with these Lenders and their networks, Credit Sources and their networks.” Credit Sources “are not within our network”, and they “may contact you directly by: Phone / Email / Text message.” The privacy policy also lists sharing “With auto dealers to determine potential vehicle pricing”. To stop the calls, “you must contact that company directly to request removal from their communications list.” One company at a time.

For Autopay, I didn’t read its phone and text consent wording, which sits inside its application, and I don’t start applications for these reviews. What I can say is that its model sends your application to lenders in the TSG network, and it also sells vehicle service contracts and GAP. If a rep brings those up, they’re optional products. Get the price in writing and don’t feel pushed.

The Refinance Math You Should Run First

Autopay offers terms out to 96 months and myAutoloan’s chart goes to 84, so this matters for both. Here’s my own illustration, not an offer from anyone. It uses the standard formula M = P × r / (1 − (1 + r)^−n), where r is the APR divided by 12 and n is the number of months, and it leaves out fees, taxes and add-ons.

Scenario on a $25,000 balance, 48 months left	Monthly payment	Total interest
Keep the existing loan at 11%	$646.14	$6,014.58
Refinance to 7% over 48 months	$598.66	$3,735.45
Refinance to 7% over 72 months	$426.23	$5,688.17
Refinance to 8% over 72 months	$438.33	$6,559.90

Keep the same term and cut the rate, and you save $2,279.13 in interest before any title, lien or origination fees. Stretch to 72 months at 7% and the payment drops $219.91 a month, but you pay $1,952.72 more interest than the 48 month refinance at the same rate. At a 4 point rate cut it still beats keeping the 11% loan by $326.41.

Now the trap. Refinance to 8% over 72 months and the payment falls by $207.81 a month, but you pay $545.32 more interest than if you’d kept the original 11% loan. For this balance, a 72 month refinance costs more total interest than the original once the new APR hits about 7.4%. Fees push that break-even lower still. So a longer term doesn’t always cost more, but it often does. Run your own numbers. My step-by-step guide to refinancing a car loan walks through it.

What About RateGenius?

Because RateGenius is Autopay’s sister brand, it’s worth knowing what it publishes. RateGenius says it’s “a nationwide vehicle refinance platform partnered with more than 150 lenders.” Its rates page sets hard limits: the car must be “Under 10 years old / Under 120,000 miles / A personal use vehicle”, and the loan needs “A balance between $10,000 and $55,000 / Funded at least 1 month ago / At least 24 months of payments left”.

It also shows an undated table of average refinance rates by credit tier, starting at 4.67% at 36 months for excellent credit (750 to 850). Its footnote says the figures “represent an average of available rates among lenders in rateGenius’ lender network” and “do not bind any lender.” Because it’s undated, I treat it as a rough guide only.

If your balance is outside $10,000 to $55,000, Autopay’s $2,500 to $100,000 range is the wider door into the same group. For a broader look at refinance options, see the best auto refinance companies.

Self-Employed or Running an LLC?

A lot of you reading this are paid through an LLC, a 1099 or bank deposits from your store. Here’s the honest picture.

Both of these are personal-name consumer products. myAutoloan’s policy pages say nothing about 1099 or bank-statement income, and nothing about financing in a company’s name. It has a 2023 blog article on self-employed auto loans that says “most lending institutions will ask you to provide at least two years of tax returns”, but that’s general advice, not a lender policy. Autopay’s refinance page asks for “verifiable income” and publishes no self-employed policy on the pages I read.

Neither one says it will finance or refinance a car in your LLC’s name. If that’s what you need, talk to your business bank. Getting your business credit built up first will help. For options that suit irregular income, see the best auto loans for self-employed borrowers.

And if you live abroad, neither is for you. myAutoloan requires that “You must reside in a state where myAutoloan currently does business”.

On tax, I’m not giving you numbers. If the car is used for business, point your accountant at IRS Publication 463 (Travel, Gift, and Car Expenses) and Publication 946 (How To Depreciate Property). My ecommerce seller tax guide covers the wider filing picture.

When Neither Is the Best Choice

This pays me nothing, which is exactly why it’s here.

If you have strong credit and don’t mind joining a credit union, PenFed publishes dated auto rates. Its page is current as of September 1, 2026, with new auto refinance from 4.19% APR at 36 months and used auto refinance from 4.79% APR at 36 months. Those assume excellent credit and you need to become a member, but it’s a real rate table from an actual lender.

If you want a refinance-only platform with a clearly written credit pull policy, Caribou’s FAQ says it runs a soft pull to check rates, then a hard pull if you continue.

And if you’re comparing marketplaces rather than refinance platforms, I put myAutoloan up against its closest rival in myAutoloan vs LendingTree.

The Verdict: Who Each One Suits

Pick myAutoloan if

• You want private party financing, which Autopay doesn’t list.
• You want one form that covers new, used, refinance, private party and lease buyout.
• You want a published refinance rate floor and income minimum before you apply.
• You live in one of its 48 states, you’re borrowing in your own name, and you’re fine with calls from lenders and Credit Sources.

Pick Autopay if

• You’re refinancing and want cash out, up to $12,000 depending on loan-to-value and lender eligibility.
• Your balance is small (from $2,500) or big (up to $100,000).
• You want fees named in writing: title filing and lien transfer, plus a possible origination fee.
• You want terms from 24 to 96 months, and you’ve run the total interest math before taking a long one.

Pick neither if

• You live outside the US.
• You need the car financed in your LLC’s name.
• You have excellent credit and would rather see a credit union’s published rate table first.

For a pure refinance, Autopay publishes more of what matters: loan range, term range, cash-back limit and the actual fees. It pays this site nothing, and it still wins the refinance comparison. myAutoloan wins on breadth, especially private party and the published rate floors, but remember those floors are the lowest rates lenders recently offered, not what most people get.

Running the Business Behind the Car

If you’re shopping for a car because the business is growing, good. If you’re still picking a niche, start with my list of high-ticket niches and go for real margin.

New to the model? Here’s what high-ticket dropshipping is and how it makes money.

Suppliers make or break a store, so read my step-by-step guide to finding high-ticket dropshipping suppliers first.

And sort the legal side early with my guide to business formation for high-ticket dropshipping.

For the stack, I build stores on Shopify. I form LLCs with Bizee.

And Hiscox covers business insurance.

If you’d rather have the store built for you, check out my done-for-you high-ticket store build.

FAQ

Is Autopay the same company as RateGenius?

They’re sister brands. Autopay’s legal page names both AUTOPAY Direct, Inc. and RateGenius Loan Services, Inc. as operating subsidiaries of The Savings Group, Inc.

Is myAutoloan a lender?

No. Its disclosures say Horizon Digital Finance, LLC “is not acting as a lender or loan broker”. It passes your request to lenders.

Does Autopay charge fees?

It says it doesn’t charge an application fee. Its legal page also says “Title filing/lien transfer fees apply” and that an origination fee may apply depending on your state.

Does myAutoloan charge fees?

HDF doesn’t charge you to use the service. Lenders pay it. Any fees on the loan itself come from the lender you choose.

How much can I borrow through Autopay?

Its FAQ says loan amounts run from $2,500 to $100,000, with terms from 24 to 96 months for qualified applicants.

What’s myAutoloan’s lowest refinance rate?

As low as 4.24% APR for 36 months or less, as of August 18, 2026. That’s the lowest rate participating lenders recently offered. myAutoloan says most borrowers qualify above its lowest advertised figures.

Does Autopay publish rates?

Not as a number. Its FAQ says its lending partners “compete to deliver you the lowest interest rates available”, and its footer says rates are for well-qualified borrowers.

How long are Autopay offers good for?

Its FAQ says “Our pre-qualification and lender-approved offers are valid for 30 days.”

Can I refinance a car owned by my LLC?

Neither company publishes a policy for loans in a company’s name. Talk to your business bank or a commercial auto lender.

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