myAutoLoan
myAutoLoan (Horizon Digital Finance) is an online auto loan marketplace connecting U.S. consumers across 48 states with up to four pre-qualified lender offers via a single application, monetized through lender referral fees.
- Company typePrivate
- Founded2003
- HeadquartersIrving, United States
- Headcount1–10
- GTM typeB2C
- OfferingDigital Commerce or Content
What myAutoLoan does
myAutoLoan (operated by Horizon Digital Finance, LLC) is an online direct-to-consumer auto loan marketplace founded in March 2003 and publicly launched in January 2004 from Irving, Texas. The platform enables consumers across 48 U.S. states (excluding Alaska and Hawaii) to complete a single online application in approximately two minutes and receive up to four pre-qualified loan offers from a network of banks, credit unions, finance companies, and dealerships covering five loan products: new auto, used auto, refinance, private party, and lease buyout, plus motorcycle financing. Since 2004 the service has helped over 100,000 customers secure auto financing.
The company's core differentiator is Preferred Placement®, a proprietary data-driven matching engine protected by four issued U.S. patents (Nos. 7,630,933; 7,647,274; 8,095,458; 8,359,264) that matches borrower credit profiles and loan needs with compatible lenders. The platform performs a soft credit inquiry only at the application stage, with hard inquiries triggered only if the consumer accepts a specific lender's offer. Supporting assets include educational content, rate widgets, payment calculators, and an auto insurance referral module.
Revenue is generated almost entirely through lender referral fees and affiliate channels; consumers pay nothing to use the service. Horizon Digital Finance receives compensation from participating lenders (including Capital One Auto Finance, LendingClub, iLending, Autopay, Caribou, OpenRoad Lending, and Southeast Financial Credit Union) when matched applications are referred, and pays up to $15 per valid qualified application to affiliate publishers routed through Impact and Commission Junction. A separate "Powered By" B2B program white-labels the marketplace for other lead-generation or financial services firms, and a Preferred Dealer program routes funded borrowers to franchised dealerships. The company is founder-led, privately held, and operates with a lean team of 1–10 employees.
myAutoLoan firmographics
Firmographics- Name
- myAutoLoan
- Legal name
- Horizon Digital Finance, LLC
- Website
- https://myautoloan.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- myAutoLoan (Horizon Digital Finance) is an online auto loan marketplace connecting U.S. consumers across 48 states with up to four pre-qualified lender offers via a single application, monetized through lender referral fees.
- Ownership category
- akta.pro rank
myAutoLoan industry classification
Industry- Product category
- Auto Lending Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Auto / Vehicle Marketplace Lending (FSAKAHAF)
- akta.pro secondary industries
- New & Used Auto Purchase Loans (FSAKADAA), Auto Loan Refinance (Rate/Term) (FSAKAIAG), Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)
Keywords
Where myAutoLoan is headquartered
LocationHeadquarters
- HQ city
- Irving
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
myAutoLoan business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Technology or R&D, Marketing or Sales, Operations, Personnel, Others
Revenue model
- Lender Referral Fees: HDF receives compensation from Lenders or Credit Sources for marketing services or referrals. When a consumer submits a loan request form, HDF shares their information with Lenders and Credit Sources, receiving payment for matching borrowers to financing options.
- Affiliate Program Revenue: Affiliates can earn up to $15.00 for every valid qualified application submitted through their referral links. HDF earns revenue when referred applications result in completed loan requests.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free consumer service with lender-compensated model |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
myAutoLoan product offering
Product offeringCore offering
myAutoLoan is an online auto loan marketplace that lets consumers submit a single application and receive up to four pre-qualified loan offers from a network of banks, credit unions, finance companies, and dealer lenders. The platform supports new auto, used auto, refinance, private party, and lease buyout loans, plus motorcycle financing, and is free to consumers with revenue generated through lender referral fees. Matching is performed by the proprietary Preferred Placement® technology.
Product overview
myAutoloan is an auto loan marketplace operated by Horizon Digital Finance (HDF) that connects borrowers with multiple lenders to compare up to 4 pre-qualified loan offers through a single application. The platform offers five core loan products: New Auto Loans, Used Auto Loans, Auto Refinance, Private Party Loans, and Lease Buyout Loans, plus Motorcycle Loans. The core differentiator is the proprietary Preferred Placement® technology (patented under U.S. Patent Nos. 7,630,933, 7,647,274, 8,095,458, and 8,359,264) that matches borrower profiles with compatible lenders. Additional offerings include affiliate and B2B partner programs, payment calculators, rate estimation tools, and auto insurance referrals. The company operates exclusively online, serving 48 U.S. states (excluding Alaska and Hawaii) since 2004.
Differentiator
Problem solved
Functional benefit
Brands
- Preferred Placement®: A proprietary patent-pending data-driven process that matches prospective car buyer needs and credit histories with compatible lenders.
- Preferred Dealer Program
- Powered By
Products and services
- New Auto Loans Loan product that connects borrowers with multiple lenders to finance the purchase of brand-new vehicles from dealerships.
- Used Auto Loans Loan product that connects borrowers with multiple lenders to finance the purchase of pre-owned vehicles.
- Auto Refinance Loans Loan product enabling borrowers to replace existing auto loans with new loans offering potentially lower rates or better terms.
- Private Party Auto Loans Loan product that finances the purchase of a vehicle directly from a private seller rather than a dealership.
- Lease Buyout Loans Loan product that finances a consumer's purchase of a currently leased vehicle at the end of the lease term.
- Motorcycle Loans Specialized financing product for new and used motorcycle purchases, accessed through the same online application flow.
- Powered By Partner Program B2B offering that enables other lead generation or financial services companies to deliver a co-branded or white-labeled auto loan marketplace under their own brand using Preferred Placement® technology.
- Affiliate Program Program enabling website owners and publishers to earn up to $15.00 per qualified loan application by placing approved links to myAutoloan.com, managed via Impact and Commission Junction affiliate networks.
Quantifiable outcome
- Over 100,000 customers helped secure auto financing since 2004
- +1 more outcomes
Companies that use myAutoLoan
Customer profileNamed customers8 records
Segments6 records
Ideal customer profiles4 records
myAutoLoan technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature2 records
myAutoLoan partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and supporting.
- Impact (Impact.com)coreImpact is one of two affiliate network platforms (alongside Commission Junction) that myAutoloan uses to manage its affiliate program. Affiliates join through Impact to promote myAutoloan services and earn up to $15.00 per qualified application.
- Commission Junction (CJ Affiliate)coreCommission Junction is the second affiliate network platform used by myAutoloan for managing affiliate partnerships. Publishers can join through CJ to refer consumers and earn per-application compensation.
- Banks, Credit Unions, Finance Companies, Auto Dealerships (Lender Network)coreHDF works with a select group of lending partners including banks, credit unions, finance companies, and automotive dealerships that offer loans and financing directly to consumers. These lenders provide pre-qualified or pre-approved loan offers to matched borrowers.
- Credit Sources (Third-party Referral Partners)supportingThird-party referral or financing partners that may contact consumers, especially when shopping for vehicles through dealerships. These Credit Sources operate outside HDF's direct network but help consumers obtain additional financing options.
Scale indicators8 records
Recent moves9 records
myAutoLoan competitors and assessment
Company assessmentBroad incumbents
- Bankrate: Long-standing financial rate comparison site owned by Red Ventures. Operates auto loan rate tables and lender matching; competes with myAutoloan in the SEO-driven auto refinance discovery funnel.
- NerdWallet: Personal finance advice and comparison platform with a dedicated auto loan refinancing vertical. Competes directly for organic search traffic around auto loan rate comparison queries.
- Credit Karma: Intuit-owned personal finance platform offering auto loan comparison alongside credit monitoring, tax, and broader financial product marketplaces. Competes for the same borrower comparison intent at significantly greater scale.
Direct peers
- MotoRefi: Auto refinance platform (acquired by Cox Automotive) focused on credit union and lender matching for car owners. Direct competitor in the online auto refinance aggregation space.
- Autopay: Online auto loan marketplace providing new, used, refinance, and lease buyout financing through a multi-lender network. Directly comparable marketplace model across overlapping loan products.
- LendingTree: Operates an online lending marketplace connecting consumers with multiple lenders across auto, mortgage, personal, and business loans. Most directly comparable peer given its multi-lender aggregation model in auto finance.
- RateGenius: Specialized auto refinance marketplace connecting borrowers with lenders for vehicle loan refinancing. Closest direct competitor in the auto refinance sub-vertical.
- iLending: Auto refinance specialty lender that also operates as a partner lender within the myAutoloan network. Comparable in the auto refinance aggregation space with overlapping customer profiles.
Others
- Capital One Auto Finance: Direct auto lender that is both a key myAutoloan network partner and a competing origination channel. Represents the lender-side counterparties that fund myAutoloan's referral economics.
Emerging players
- Auto Approve: Auto refinance loan shopping service that helps consumers compare offers and handles paperwork with lenders. Comparable marketplace-adjacent model in the refinance segment.
Market position
Strengths4 records
Weaknesses4 records
Key risks6 records
Key highlights7 records
Customer concentration
myAutoLoan social profiles
Digital presencemyAutoLoan compliance and trust
Trust signalCompliance6 records
myAutoLoan financial estimates
Financial estimateRevenue estimate
Valuation estimate
myAutoLoan leadership team
Management profileNumber of profiles
Profiles2 records
myAutoLoan funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
myAutoLoan M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about myAutoLoan
What does myAutoLoan do?
myAutoLoan is an online auto loan marketplace that lets consumers submit a single application and receive up to four pre-qualified loan offers from a network of banks, credit unions, finance companies, and dealer lenders. The platform supports new auto, used auto, refinance, private party, and lease buyout loans, plus motorcycle financing, and is free to consumers with revenue generated through lender referral fees. Matching is performed by the proprietary Preferred Placement® technology.
Is myAutoLoan a public or private company?
myAutoLoan is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was myAutoLoan founded?
myAutoLoan was founded in 2003. It employs 1 to 10 people.
Where is myAutoLoan based?
myAutoLoan is headquartered in Irving, United States, in the North America region.
How does myAutoLoan make money?
Two revenue lines are on record. Lender Referral Fees are the primary driver. The others are affiliate Program Revenue.
Who are myAutoLoan's main competitors?
Broad incumbents on record are Bankrate, NerdWallet and Credit Karma. Direct peers are MotoRefi, Autopay, LendingTree, RateGenius and iLending. Capital One Auto Finance is listed as an others. Auto Approve is listed as an emerging player.
Does myAutoLoan have an API?
No public API is recorded for myAutoLoan.
What industry is myAutoLoan in?
myAutoLoan's product category is Auto Lending Marketplace. Its primary akta.pro industry code is FSAKAHAF, Auto / Vehicle Marketplace Lending, with a secondary code of FSAKADAA, New & Used Auto Purchase Loans. Its NAICS code is 52231 and its SIC code is 6163.