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 8.2 based on 1076 reviews. TrustPilot Reviews
5 Roadloans came through in the nick of time for me and my family! I came back from vacation to a car that had broken down. Not having the funds or the greatest credit Roadloans was able to get me in to a very nice vehicle for a mere $250 no paystubs verifications NOTHING, (Of course because of my financial situation and my credit my payments are a little…
1 they’re just like all the other… they're just like all the other finance/loan/dealerships that advertise they can help all credit types then decline your application bringing your credit score down even more. False advertising for sure. The rep. on the phone had a heavy accent I could hardly understand and she didn't seem very interested at all.
5 You guys are wonderful You guys are wonderful! no stress! and very helpful! thank you for funding our new car!
5 You Guys are awesome You Guys are awesome. Ms. Betsy, was the most encouraging of all the reps I spoke with. She told me what to do and some would have taken offense to her but to me ...she just reminded me of my mother, and I just appreciated that so much. I did what she said and I'm…

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: