About Us

Welcome to RoadLoans

You’ve arrived at the right place.
We’d love to tell you more about what we do. RoadLoans is the online, direct lending division of Santander Consumer USA, providing auto loans and refinancing to customers across the United States.

As a direct-to-consumer lender, we cut out the middleman enabling car buyers to apply for financing online and, on approval, shop for a vehicle the same day. And we’ve been doing that for some time, since we were established in 2000.

We accept applications from people with all types of credit and that’s what makes us tick. It’s about making a difference, and unlocking opportunities, with an approach that’s simple and fair.

Learn more about RoadLoans
RoadLoans – Auto Financing

Our Story

RoadLoans was established in 2000 by Triad Financial Corp., owned by the Ford Motor Credit Co., and was sold to an investment group in 2005. RoadLoans was purchased by Santander Consumer USA Inc. as its direct lender in 2009, and has continued to grow as a leader in its field.

Santander Consumer USA Holdings Inc. is a consumer finance company focused on vehicle finance and third-party servicing, and is listed on the New York Stock Exchange (NYSE: SC). It has more than 2.5 million customers across the credit spectrum.

Dallas-based RoadLoans and SC are both part of Santander Group, one of the largest banks in the world by market capitalization.

Your Story

We’re good at auto finance, and our customers agree. Take a look at some of the hundreds of reviews collected by Trustpilot.

TrustPilot Logo
Based on 1270 reviews.
Roadloans makes it impossible to get a… Roadloans makes it impossible to get a car with the terms they specify because without even getting a vin number they will determine the ltv of the car you're going to buy to be so much lower then what the dealer wants to sell it for, which makes your down payment go from 500$ to…
Bree Hewitt was an absolute pleasure to… Bree Hewitt was an absolute pleasure to work with. I decided to buy out my lease pretty late and called Chrysler for assistance. I was transferred to Bree with RoadLoans to assist with the loan approval process. Bree quickly responded to my inquiries and walked me through the process. She stayed in touch with me…
My Loan specialist My Loan specialist, Nicole Chapman was excellent, polite and efficient! She made the process very easy and stress free. I would definitely apply through and use RoadLoans again! Thank you!
End of Lease Buyout I worked with Roadloans via Chrysler Capital for an end of lease buyout and had a great experience! I worked with Bree and she was very professional, helpful, and responsive. The loan application process was easy and funding happened quickly. I'd highly recommend Roadloans to anyone considering a lease buyout.

Relationships Matter

RoadLoans has strong relationships with auto dealers and operates a preferred network of more than 14,000 dealerships across the United States, where approved auto loan applicants have the chance to shop for quality vehicles, and dealers can receive consumer leads and financing for customers.

RoadLoans has also formed close partnerships with key players in the auto industry, including Autotrader, Cars.com, E-Loan and LendingTree.

Learn more

Companies we work with:

Cars.com Lendingtree Carmax