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.

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Based on 1296 reviews.
I got a letter today from RoadLoans… I got a letter today from RoadLoans today telling me I had been denied a loan. How very nice considering I didn't apply for a loan. They have asked for a credit report on me which makes your score go lower. Does anyone know how to get these people to leave you alone???
The process was very simple The process was very simple, my loan specialist Lyra walked me through the entire process and answered all of my questions! High 5 to Roadloans Auto Finance!
Bree was extremely helpful in the… Bree was extremely helpful in the process of financing my car after my lease was over. She helped to make the process seamless and I truly appreciate her help!! Thanks! Virginia Shaffer
Bree was amazing throughout the whole… Bree was amazing throughout the whole process of financing Phoebe, my 2016 Charger! Everything went to smoothly and quickly, and I was very impressed. Hopefully if Road Loans handles Buick leases, in about 2 years, I’ll have an Enclave we’d lije to finance also, lol Don Divers

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