Where does OpenRoad Lending do business?

OpenRoad Lending is based in Fort Worth, TX. It was founded in 1993 and offers auto loan refinancing in states.

What are OpenRoad Lending’s auto loan refinancing rates?

OpenRoad Lending offers refinance loans with APRs starting at 1.9% and up to 21.9%.

What is the maximum loan term for a OpenRoad Lending refinance loan?

OpenRoad Lending offers auto refinancing loans with terms of up to 84 months.

Does OpenRoad Lending charge an origination fee?

No, OpenRoad Lending does not charge a loan origination fee. .

What is OpenRoad Lending’s eligibility criteria?

OpenRoad Lending requires borrowers to have a credit score of at least 550 to apply.

To qualify, applicants must provide the following documentation:

- Driver license

- Recent pay stubs

What is the estimated funding time for a OpenRoad Lending auto loan refinance?

OpenRoad Lending will typically approve (or deny) a loan application within 24 hours and fund it within 1 to 7 days.


  • Payment Options
    • Automatic Payments
    • Check by mail
  • APR
    1.9% - 21.9%
  • Max Loan Term (Months)
  • Credit Score Range
    550 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Maximum Vehicle Age
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Minimum Annual Income
  • Supported Income Types
    • 1099 Misc. Income
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Verification Documents Required?
    • Recent pay stubs
    • Driver license (or other photo ID)
  • No Origination Fee
  • Institution Type
  • Approval Speed (Hours)
  • Deferred Payments
  • Funding Time
    1-7 days
  • Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
"Advertised rates depend on the individual’s credit and key financing characteristics, including but not limited to the Amount Financed, term, a loan-to-value (LTV) ratio of less than or equal to 80%, and other vehicle characteristics."
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