Blog > Recent Articles In Financing

Man and woman smiling in convertible car
    If quick and easy auto financing works for you, then consider RoadLoans. We’re the online lender that enables customers to get a credit decision in minutes and enjoy a streamlined process to their new car or refinanced loan. As part of national auto lender Santander Consumer USA, we work with customers with a broad range of credit profiles, and flexibility is at the center of our approach. Besides giving consumers the chance to apply for financing whenever it suits them, RoadLoans provides customers with multiple loan offers to meet their individual needs. If approved for a new or… Read More

Man and woman looking at laptop screen
    The deadline for filing tax returns, Tax Day, April 15, is just ahead. And if you’re one of millions expecting money back, you may also be thinking about using that cash as a down payment on a vehicle. To help with the fun part, peruse the following articles as you wait for your check or finish off your return. Listed below is a selection of recent RoadLoans blogs featuring award-winning and highly recommended cars from a number of automotive sources.   Best cars, SUVs (and minivan) for your money – U.S. News The happy meeting place of quality… Read More

Car traded in and car purchased
  When you owe more than your vehicle is worth but still intend to trade in for your next purchase – and plenty of people do – then planning your steps will help you get the most out of the deal.*   Rolling over your negative equity In this situation, it’s common for negative equity to be rolled into the loan for your new vehicle. That means you’ll effectively be paying off your previous car along with your new ride in a single, larger loan on which you’ll pay interest. Such a loan can increase your financing costs and make… Read More

Woman signing paper to remove cosigner from car loan
  A cosigner can be invaluable when you need help qualifying for an auto loan but, as circumstances change over time, one or both parties may want to remove the cosigner from the arrangement so they can go their separate financial ways. For their part, the cosigner may no longer wish to bear the risk associated with guaranteeing the loan and the effects on their credit should the borrower default. The borrower, on the other hand, could have become more financially established and doesn’t need the assurance provided by the cosigner. In these situations, it’s often possible to remove a… Read More

How an auto loan cosigner or co-borrower may help you get moving
  If you’ve been denied vehicle financing because you have bad or no credit,* then an auto loan cosigner, or a co-borrower, may be what’s needed to get on the road and on with your life. Each may boost your chances of approval and, if approved, better your loan terms. And what a difference having your own transportation can make, whether it’s getting to college classes to further your education, getting to work on time and stress free, picking up the kids from school or taking a relaxing road trip wherever you choose.   Do I need a cosigner or… Read More

Woman sitting in new car
  If you’re buying a car this month then Presidents Day could be the time to do it. A range of deals including cash back and lower prices make a buyer’s dollars go further, and set them up nicely for the year ahead in their vehicle of choice. Deals are available on both new and used cars and, besides holiday weekend sales events, there are added reasons why you may be able to walk away with a sizeable saving. Auto dealerships could be more prone to sweeten deals if recent snow and cold weather have kept customers at home, while… Read More

Car on tow truck
    Whether to get to work, school or the grocery store, the automobile is a necessity for most of us, and so too is the financing that helps pay for it. The road to vehicle ownership doesn’t always lie straight, however, and events like missed payments, or even trouble paying for repairs, can lead to repossession. If that happens, knowing about the repossession process will help you negotiate the way forward.*   What is car repossession? When you sign for a loan or lease, you commit to a contract that gives the creditor or lessor rights to the vehicle… Read More

What is a car title?
    Learn about one of the basics of vehicle ownership Car titles are one of the fundamental parts of owning a vehicle, and knowing a little about them, and what details to look out for, will help you when it comes time to buy, sell or transfer ownership.   The certificate of title A car title is a document establishing the legal owner of a vehicle, whether a person or business, that’s issued by a state department of motor vehicles. It’s also referred to as a certificate of title or pink slip (as car titles in California were once… Read More

Car in palm of hand
  How to know lien from loan, and what to keep in mind when buying and selling a vehicle If you’ve been approved for a car loan then you’re likely to encounter the term “lien,” but the chances you’ll know what it means may not be so great. A lien on a car is like a safeguard for the lender or other interested party. When you take out an auto loan, a lien is created, which is a lender’s legal right to possession of the vehicle until the loan is repaid. That means if you default on the loan, like… Read More

Tax refund for car purchase infographic
If you’re in the market for a new vehicle then you should know something about tax season: tax refunds and car loans are a good match.* That’s because refunds, which have averaged around $3,000 in recent years, can provide many approved buyers with a ready-made down payment on their next ride, or at least a useful chunk of it. In turn, that money down may drop their monthly payment and provide useful savings on interest charges. Take a look at the following infographic to see how a tax refund may be used to get a new or used vehicle in six… Read More