Get your financing first and buy a car with confidence
Walking into a dealership with preapproved financing is an empowering way to purchase your next vehicle. If approved for a new or used car loan with RoadLoans, you have the freedom to shop like a cash buyer and negotiate the best deal on your chosen model. Take a few minutes to complete our short, online application, and get an instant decision.
Finance a car in 3 steps
- Apply in minutes
Complete our online application, receive an instant decision.
- Select your best offer
If approved, select from multiple loan offers and download your voucher.
- Present your voucher at the dealership
Visit the dealership and buy your next car with confidence!
Get a Quick Loan Decision
Applying online takes just a few minutes, it’s free, and you’ll get an instant decision.
New and used car loans
Whether it’s for a brand-new or preowned vehicle, RoadLoans customers enjoy flexible financing options to make the car-buying process go smoothly. We finance loans from $5,000 to $75,000,* with terms up to 72 months, and provide approved applicants with a number of offers to meet their needs.
If approved, you’ll see how the offers vary by loan amount, monthly payment, APR, money down and duration. These terms depend on factors such as a borrower’s credit score and income. Once you’ve made your choice, go shop for your next car, truck or SUV at a RoadLoans preferred dealer.
Auto loans for bad credit situations
It’s not uncommon for credit to take some knocks as you go through life. Late and missed payments, unexpected bills putting a strain on your finances – these things can easily happen, but there are often ways to get on the road with auto financing.
You’ll be glad to know that, at RoadLoans, we accept applications from consumers with a wide range of credit profiles and have helped thousands of people with subprime scores get the car loan financing they need.
It’s also worth knowing that there are some straightforward ways to strengthen your application. These include, for example, running the numbers with an auto loan calculator, a good down payment, and applying with a co-applicant.
Financing with no credit
What are the chances of signing on the dotted line with no credit? It may be more challenging to get a car loan in this situation than if your credit history was long and strong, but many people do it. Just as with bad credit, simple steps can be taken to boost your chances of approval and, if approved, of receiving better terms. Finding a lender like RoadLoans is a great start.
Car loans after bankruptcy
Bankruptcy is a major event that lands a heavy blow on your credit score, so you might be approaching financing with doubt, and have questions.
A lot of people ask about when they can apply for a car loan. The first thing to know is that we are not able to approve an application if you are still in the bankruptcy process. Another important point to consider is how long you may spend improving your credit after the bankruptcy is discharged.
When you’re ready to apply, RoadLoans offers the same easy application process, regardless of credit score.
Buying a car with RoadLoans
Whether you’re applying for your first auto loan or you’ve been around the financing block, RoadLoans makes buying a car easy.
You can apply online, with no pressure, and preapproval gives customers more control in the vehicle-buying process.
As part of national auto lender Santander Consumer USA, we work with 14,000 dealerships across the country that are able to show our customers select, high-quality cars for the road ahead.
* Minimum loan amount is $5,000 ($10,001 in Arizona, $6,000 in California, $6,001 in Massachusetts).
† “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.