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RoadLoans Overall rating: ★★★★☆ 3.6 based on 12 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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RoadLoans is an online lending platform based in Dallas that offers auto loans for new or used cars and also auto loan re-financing. Their auto loan products range from 1.99% APR and are available in 45 states (and Washington, DC). The company has been operating for about 20 years, which makes it an experienced lender. RoadLoans operates purely online and focuses on borrowers with bad or no credit, unlike many other financial institutions.

Company name RoadLoans
Founded 2000
Address Santander Consumer USA Inc. P.O. Box 961245 Fort Worth, TX 76161-1245
Phone number (888) 276-7202
Email  Uknown (contact form available)


  • Instant application
  • Easy, painless process
  • Compare auto loan offers from multiple vetted lenders
  • Cash back refinancing
  • Funding within 1 business day
  • Competitive rates
  • Amounts between $5,000 and $75,000
  • Loan terms between 12 and 84 months
  • Low credit applicants
  • Multiple types of financing
  • Strong customer service
  • No credit requirements
  • Easy payment options
  • No application fees


  • Not available in all states
  • Rates aren’t transparent
  • Preapproval isn’t a green light
  • Limited dealerships supported
  • Get only one loan at a time
  • Late payment penatly fee

Bottom line

RoadLoans is a unique company as it offers car loans directly to people in-stead of through another financing source. Their loans are best for you if you have good credit and want to compare multiple auto loan offers in one place. You should also consider this lender if you want to buy or refinance a newer car versus an older one, or if you want to get your auto loan financing lined up before you visit a dealership.

Keep in mind that this lender is not transparent about its interest rates, terms, and conditions. For these reasons, you should be cautious before applying for an auto loan through

Types of loans

With RoadLoans, you can apply for:

  • New car loans;
  • Used car loans;
  • Auto refinancing;
  • Cashback refinancing;
  • Private-party car loans.

Loan requirements

RoadLoans do not disclose a minimum annual income eligibility re-quirement. They will consider borrowers regardless of their employment status if they can prove their ability to pay off their loans in a timely manner.

To get approved, you must meet the following basic require-ments:

  1. Be a US citizen or legal resident;
  2. Be over 18;
  3. Earn at least $1,800 per month;
  4. Have no current car loan with RoadLoans;
  5. Live in one of the states where this lender operates;
  6. Have a credit score of at least 550 and up to 850.

You might have trouble getting a loan through this lender if you’re already having another car loan.

To qualify, you may also need to provide a driver’s license.

This lender claims to work with all types of credit. However, having a good credit can help you get a competitive deal and might help you get a higher loan amount.

Category: Online Loans

Tags: 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, West Virginia, Wisconsin, Wyoming

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RoadLoans Reviews

I loved their fast online application! It was so easy to get a vehicle. Other lenders offered me a higher interest rate and it wasn't the vehicle I wanted. I'm very happy with my choice. It took only long a few hours for the car sales manager to help me find a car.
- Michael Brinn

This is the worst experience I have ever had in my life and I'm 69 years old so I have a lot of experience. Total nightmare dealing with RoadLoans. I purchased the car, they transferred the title and never paid the DMV. Now I can't renew my plates and they don't give a shit.
- Willis Chandler

Their staff was very friendly and extremely patient with my questions. They explained each step along the way. They answered my calls promptly. I will recommend this company to family and friends.
- Keith Lopez

Good rates, fast response, great customer service. My manager perfectly assisted me with processing my loan. Nice company! Highly recommended!
- May Boyd

Great experience. Amazing service. Quick, professional and easy. Definitely worth it. If you have bad credit you will get higher APR but it is still a nice offer. Just apply.
- Annemarie Griffin

It was a pleasure working with them. No issues. Will use them again if the future and recommend to family and friends
- David Fonseca

Easy auto financing. Straightforward process. Minimum paperwork, was approved in a couple of hours. A+++ for ease and convenience. They do great job!
- Sheri Cummings

Simple process. Drove away in a new car in a few hours. My bad credit was ok. They gave me the chance to buy a reliable car. The dealer received their money after 10 days and my first payment was due 35 days from date I drove away. Nice offer. Nothing suspicious
- Carl Powell

I purchased a car through RoadLoans. The managers were very nice to talk to. Guided me through the process step by step. Kept contact with the entire way. It was quick and simple to get a loan and will be using them again in the future. They are very friendly and helpful.
- Sergio House

This company does not keep people's credit information secure. I got an alert that someone used my social security number. I contacted RoadLoans and asked to delete my information. They refused. This is how they treat people! Do you still trust them?
- Ty Valenti

Awful customer service! I tried to connect them for a week and nobody would response! I think they are scammers! I will be filing a lawsuit against them.
- Jeremy Marburger

Never use them!!! They will drive you nuts. They are saying they work with bad credit. That is a lie. My credit's not perfect but it’s fair. And you got rejected! And they won't even let you know the interest you might have until you complete an application?? Wtf?
- James Wilson

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