RoadLoans Car Loans

RoadLoans Car Loans

in Auto Loans from RoadLoans


RoadLoans Car Loans


in Auto Loans from RoadLoans

SuperMoney Net Recommendation Score -57%



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Strongly not recommended

1 user recommends
1 user is unsure
5 users don't recommend
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Community Rating Strongly not recommended
Credit Score Range 550 - 850
Loan Amount $5,000 - $75,000
APR  (Fixed APR) Starting at 1.99%
Loan Term (Months) Up to 72 months
Number of Reviews 7

RoadLoans Car Loans Review

RoadLoans Car Loans is offered by RoadLoans, a direct lender founded in 2000 and based in Dallas, TX. RoadLoans Car Loans is available in 45 states (and Washington, DC).

RoadLoans Car Loans FAQ

How much can you borrow via RoadLoans Car Loans?

RoadLoans Car Loans auto loan amounts start at $5,000 and go up to $75,000.

What APR does RoadLoans Car Loans offer on its auto loans?

RoadLoans Car Loans offers an auto loan product that ranges from 1.99% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum loan term you can get with RoadLoans Car Loans?

RoadLoans Car Loans has auto loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does RoadLoans Car Loans charge an origination fee?

Yes, RoadLoans Car Loans may charge a loan origination fee.

Does RoadLoans Car Loans charge a late fee?

Yes, RoadLoans Car Loans charges borrowers with a late payment penatly fee

Does RoadLoans Car Loans charge prepayment fees?

No, RoadLoans Car Loans will not charge you a fee for paying your loan early. Whenever possible choose lenders like RoadLoans Car Loans that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my RoadLoans Car Loans loan?

Yes, you can. RoadLoans Car Loans does not charge a prepayment fee, so you can save money by paying your auto loan early.

What do you need to qualify for RoadLoans Car Loans?

Applicants with a credit score of at least 550 and up to 850 may be eligible for RoadLoans Car Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

RoadLoans Car Loans does not have or does not disclose a minimum annual income eligibility requirement. RoadLoans Car Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via RoadLoans Car Loans. Their rates fall within the limits of The Military Lending Act.

Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit

What is the estimated funding time for an auto loan via RoadLoans Car Loans?

RoadLoans Car Loans will typically approve (or deny) an auto loan application within 1 hour and fund the loan within 1 business day of approval.

RoadLoans Car Loans Disclosure: "Rates depend on the individual's excellent and substantial credit and key loan characteristics, including amount, term, vehicle age. A representative example of payment terms are as follows: a loan amount of $20,000 with an APR of 7.50% and a term of 70 months, would have a monthly payment of $353.63 with no down-payment required."
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  • Headquarters
  •   Santander Consumer USA Inc
    1601 Elm St. STE 800
    Dallas, TX 75201
  •   Visit Site

About RoadLoans Car Loans

Message From Our Editor

What we love about RoadLoans

RoadLoans offers auto loans to people with all credit types. It doesn’t matter if you have perfect credit or recently went through a bankruptcy, there’s a good chance that RoadLoans will find a way to work with you.

You can work with RoadLoans before you visit the dealership, giving you an idea of how much you can afford and giving you more negotiating power once you get to the lot. You can also use the loan for private party sales.

RoadLoans also offer auto loan refinancing. If your credit improves or interest rates drop, you can refinance your existing auto loan to reduce your monthly bill.

What could RoadLoans do better?

RoadLoans works with people of all credits, which means its rates are often high. People with strong credit will get competitive offers, but it’s still worth shopping around to find the best deal.

The company also only offers loans in select states. If you live outside of its service area, you won’t be able to work with the company. The company also has some car eligibility requirements, such as a maximum mileage and ages, so you have to make sure you purchase a car that conforms to those rules.

RoadLoans’s backstory

RoadLoans is based in Dallas, Texas. Founded in 2000, the company was acquired by Santander Consumer USA, an American subsidiary of the Spanish Santander Group.

The Verdict

If you have poor credit, RoadLoans is a great choice of lender because it usually has a way to work with people regardless of their credit score or credit history. If you have excellent credit, you may still get a competitive offer from RoadLoans, but it’s worth the effort to shop around to find a better deal elsewhere.


  Available in 45 states and Washington, D.C.
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Missouri
  • Montana
  • Nebraska
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Application Fee $0
No Prepayment Fee  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered U.S. Permanent Resident
Joint Loan Applications Accepted Cosigner
Maximum Vehicle Age 12
Military Status
  • Active Duty Military
  • Non-Military
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Credit Score Range 550 - 850
Loan Amount $5,000 - $75,000
APR (Fixed APR) Starting at 1.99%
Loan Term Up to 72 months

RoadLoans Car Loans Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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