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.

Trustscore 8.1 based on 865 reviews. TrustPilot Reviews
1 FOR REAL ??? I know what I can afford but your loan was geared for making my purchase a repo due to high very high pymt . Very unprofessional I want to spend Max of 10 to 12 k your loan wanted me to spend 19 k worst experience ever don't do it the new car won't be…
5 We delt with Lynn Witter We delt with Lynn Witter, she was absolutely amazing!!! She kept us updated the entire process. I'll definitely be spreading the word about new roads.. very satisfied. M Ortiz Duluth,Ga
1 Don’t fall for it Don't fall for it, people! They wanted 16% interest rate on a $17K loan. That's almost 100% interest on the loan. That's insane for any type of credit score. SHAME ON THEM!
4 was good and easy…. was good and easy..... only issue I have is I ahev a second car coming off lease I want to finance and I was told given it was an ally lease you couldn't help me at this point.

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.

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Companies we work with: