What is RoadLoans?

RoadLoans is an online, direct-to-consumer auto lender specializing in car loans and auto refinancing, serving customers in the Untied States.

It is the direct lending division of Santander Consumer USA, a Dallas-based financial institution. RoadLoans accepts auto loan applications for both new and used vehicles from people with all credit profiles, including buyers with bad credit, no credit, or that have gone through bankruptcy.*

Operating online, RoadLoans provides an auto finance process with instant loan decisions, and qualified applicants can get pre-approved for their auto loan before visiting a car dealership.

RoadLoans’ auto loan process can be outlined like this:

  • Complete the secure application form, which takes a few minutes, online from home, work, or a mobile device.
  • You’ll receive a loan decision in seconds, by email. If approved, download and print the loan documents.
  • Review the details then take them with you to a dealer in the RoadLoans preferred dealer network, and shop for a vehicle within the terms of your loan approval.
  • Dealerships near you will be recommended during the application process. RoadLoans has a preferred dealer network of more than 14,000 dealers across the United States, with vehicles meeting our standards for age and mileage, and our financing requirements.
  • Alternatively, go to a dealership of your choice to shop for a car.
  • Loan approvals are valid for 30 days and there’s no obligation to activate the loan.

What is a road loan?

If you’re new to RoadLoans, you might also be asking, “What is a road loan?” While RoadLoans is the name of our direct-lending business and brand, customers might refer to one of our auto loans as a “road loan.”

Read more about RoadLoans, and our auto loan and refinancing services.

Apply for a car loan or to refinance your current loan with RoadLoans.


* “Bad” or “Poor” credit generally is considered a FICO score around 600 and below by sources including the Consumer Federation of America and National Credit Reporting Association (reported by the Associated Press), Bankrate.com, Credit.com, Investopedia, NerdWallet.com and others. The Congressional Budget Office identifies a FICO score of 620 as the “cutoff” for prime loans. FICO scores are not the sole factor in lending decisions by RoadLoans.com and Santander Consumer USA.

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