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 8.3 based on 1044 reviews. TrustPilot Reviews
2 They approved me with no credit history but the APR was too high. Roadloans did approve me even though I had no credit history, for that I was grateful. However the APR term was outrageous and unacceptable. %27.9! I have never EVER in my life heard of an auto loan for any lender being over %19 and even that would be considered unacceptable, much less %27.9! When I…
5 Smooth easy transaction. Smooth easy transaction.
5 From start to finish Starting with the application process. I was not sure if I would get approved but after only a matter of a couple minutes I was approved for enough to get a very reliable vehicle. The dealership was another story. I was working with a sales rep that pushed me into a vehicle that I was…
5 Road loans was awesome!!! Road loans was awesome!!!

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: