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.

Loan Features

Auto Loans
Shopping for a car has never been easier, and RoadLoans gives its customers control at every turn. As an online lender, our streamlined process makes things quick and simple, from applying for financing through finding a car.

Estimate your monthly car payment
Use our auto loan calculator to familiarize yourself with how different interest rates and loan terms affect potential monthly payments. With an affordability calculator, you can gauge what you may pay for a vehicle in total.

Apply for competitive auto loan rates
Apply for competitive rates on an auto loan in minutes and get an instant decision. Our quick, one-page application enables you to apply for new and used car loans online, whenever it suits you. Qualified consumers receive multiple offers for their unique car-buying needs.

Shop empowered
Preapproved auto financing gives qualified applicants the confidence to shop like a cash buyer, with good or bad credit.* They can visit a dealership within RoadLoans’ nationwide network already knowing their loan terms, including loan amount and annual percentage rate.

Auto refinance
With auto refinance you could pay off your existing car note and replace it with a more affordable auto loan. Our auto refinancing options might reduce your current payment and could even give you cash back. We accept applications from customers with all types of credit, even if you’ve experienced bankruptcy, credit counseling or repossession.

Isn’t it time to payoff your existing car loan and replace it with a loan that might be better for your situation? Auto loan refinance with RoadLoans and you could start saving money for other important things in life. Take advantage of car loan refinance today. With our cash-back auto refinancing option, you could get access to extra cash when you refinance your car with RoadLoans. Your final cash-back amount will depend on the value of your car and is subject to credit requirements.

The RoadLoans Advantage
Free: No application fees
Fast: Apply online in just minutes and get an immediate decision
Simple: Once approved, download your documents, sign and return

Private party auto loan
Buying a used car from a dealership is undoubtedly convenient, but making a purchase from a private seller has advantages too, like cutting out the middleman. Many vehicles are bought from private sellers and, without the luxury of ready cash, many of those are purchased with the help of financing. That’s where private party auto loans make an appearance. A private party car loan is financing offered by a lender specifically to fund a person-to-person auto purchase.

How does a private party auto loan work?
Just like when buying a car from a dealer, it may help to start the financing process by using auto loan calculators to estimate what you can afford. Once you’ve got an idea of the total amount you can spend on a vehicle, what your monthly payments might be, and the effect of interest rates and loan duration, the next step is to apply for a private party loan. The Federal Trade Commission (FTC), a government body looking after the interests of consumers, recommends shopping around for financing in order to compare terms. So shop around for a private party auto loan with lenders like RoadLoans. RoadLoans is an online, direct-to-consumer auto lender with a streamlined process. We offer competitive private party auto loan rates to qualified buyers, and we accept applications from consumers with all types of credit.

Application Process

Applying takes just minutes and you’ll receive an instant loan decision. If approved, here are six key points to know about buying a car from a private seller through RoadLoans:
1. It takes about 15 days to complete the whole loan process.
2. We work with a third party that assists with paperwork to perfect the lien.
3. You must locate a seller willing to work through the RoadLoans process.
4. We ask for a vehicle inspection (not a mechanical inspection) to ensure the vehicle you want to buy is approved for sale and meets our requirements.
5. The vehicle must be 12 years old or newer with up to 100,000 miles on the clock.
6. If buyer and seller work together and provide the required documents in a timely manner, the private party car loan process can be seamless.

We want to make new and used car financing as smooth as possible. As an online, direct-to-consumer lender, our process is fast, efficient and offers many advantages. You can apply for car loans from home, work or your mobile device in just a few minutes, and receive an immediate decision.

We accept auto loan applications to buy a car from a dealership, as well as applications for private party auto loans. Qualified buyers get preapproved and know exactly the terms for which they can purchase a new or used vehicle before they shop If approved, download and print the loan documents, review the details, and take them with you to a RoadLoans preferred dealer recommended during the application process. Approvals are valid for 30 days and there’s no obligation to activate the loan offer. As you step into the showroom, shop with the confidence of a cash buyer, auto loan voucher in hand Once you’ve selected your vehicle and settled the price, the dealer will work with us to finalize the financing.

Repayment Terms

Minimum Loan Amount $5,000
Maximum Loan Amount $75,000
Other factors are the annual percentage rate (APR) that you can expect to be offered by the lender, and the term, or length in months, of the loan payment.

Customer Support

Application Questions (888) 276-7202
Customer Service (888) 222-4227

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