RoadLoans Car Loans
RoadLoans Car Loans
in Auto Loans from RoadLoans

RoadLoans Car Loans

in Auto Loans from RoadLoans
SuperMoney Net Recommendation Score -57  


This product is strongly not recommended by SuperMoney users with a score of -57, equating to 1.9 on a 5 point rating scale.


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

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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 are available in 45 states (and Washington, DC).

RoadLoans FAQ

How much can you borrow via RoadLoans?

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

What APR does RoadLoans offer on its car loans?

RoadLoans offers a fixed apr car 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 auto loan term you can get with RoadLoans?

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

Does RoadLoans charge an origination fee?

Yes, RoadLoans may charge a loan origination fee.

Does RoadLoans charge a late fee?

Yes, RoadLoans charges borrowers with a late payment penatly fee

Does RoadLoans charge prepayment fees?

No, RoadLoans will not charge you a fee for paying your loan early. Whenever possible choose lenders like RoadLoans 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 loan?

Yes, you can. RoadLoans does not charge a prepayment fee, so you can save money by paying your car 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 are eligible to apply for a loan via RoadLoans Car Loans. Their rates fall within the limits of The Military Lending Act.

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 a car loan via RoadLoans?

RoadLoans will typically approve (or deny) a car loan application within 1 hour and fund the car loan within 1 business day of approval.

Is RoadLoans a legit company?

RoadLoans was founded in 2000, it is a well-established company that has been in business for 23 years. RoadLoans Car Loans are strongly not recommended by SuperMoney community users.

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."
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From RoadLoans

Walking into a dealership with preapproved financing is an empowering way to purchase your next vehicle. If approved for a new or used car loan with RoadLoans, you have the freedom to shop like a cash buyer and negotiate the best deal on your chosen model. Take a few minutes to complete our short, online application, and get an instant decision. Whether it’s for a brand-new or preowned vehicle, RoadLoans customers enjoy flexible financing options to make the car-buying process go smoothly. We finance loans from $5,000 to $75,000,* with terms up to 72 months, and provide approved applicants with a number of offers to meet their needs. If approved, you’ll see how the offers vary by loan amount, monthly payment, APR, money down and duration. These terms depend on factors such as a borrower’s credit score and income. Once you’ve made your choice, go shop for your next car, truck or SUV at a RoadLoans preferred dealer. It’s not uncommon for credit to take some knocks as you go through life. Late and missed payments, unexpected bills putting a strain on your finances – these things can easily happen, but there are often ways to get on the road with auto financing.

You’ll be glad to know that, at RoadLoans, we accept applications from consumers with a wide range of credit profiles and have helped thousands of people with subprime scores get the car loan financing they need. It’s also worth knowing that there are some straightforward ways to strengthen your application. These include, for example, running the numbers with an auto loan calculator, a good down payment, and applying with a co-applicant. What are the chances of signing on the dotted line with no credit? It may be more challenging to get a car loan in this situation than if your credit history was long and strong, but many people do it. Just as with bad credit, simple steps can be taken to boost your chances of approval and, if approved, of receiving better terms. Finding a lender like RoadLoans is a great start. Whether you’re applying for your first auto loan or you’ve been around the financing block, RoadLoans makes buying a car easy. You can apply online, with no pressure, and preapproval gives customers more control in the vehicle-buying process. As part of national auto lender Santander Consumer USA, we work with 14,000 dealerships across the country that are able to show our customers select, high-quality cars for the road ahead.

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.


About RoadLoans Car Loans


  Available in 45 states and Washington, D.C.
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Application Fee $0
No Prepayment Fee
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • 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
APR Type Fixed APR
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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This product is strongly not recommended by SuperMoney users with a score of -57, equating to 1.9 on a 5 point rating scale.


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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