On the Road Lending

Need an affordable loan for a reliable car?



On the Road Lending

Need an affordable loan for a reliable car?

What We Do

Affordable Car Loans for Bad Credit

We believe that better cars lead to better jobs and better lives. On the Road, founded in 2013, is a collective human empowerment initiative dedicated to breaking transportation barriers through financial and mobility solutions.
Reliable transportation isn’t a luxury—it’s a necessity. Job training means little if a person can’t get to work. School choice is meaningless if the school is out of reach. Healthier food options don’t help if they’re inaccessible. A better car leads to a better job, a better life, and a cleaner environment by removing old, polluting vehicles from the road.
On the Road Lending is a family of impact investment funds that provides character-based, affordable vehicle financing—helping individuals secure reliable cars that fit their needs. OTR Resources, its sister 501(c)(3) nonprofit, offers financial education and loan support services to promote long-term stability and success. Together, we remove transportation barriers and create pathways to economic mobility.
Through our affordable car loans, On the Road Lending offers low-cost financing based on a person’s character and potential—not just their credit score. This transformative approach to auto lending is fostering prosperity, one car loan at a time!
We are a national organization providing auto loan financing to individuals with limited or no credit history in Georgia, Kentucky, North Carolina, Mississippi, and Texas. Learn more about our loan process or apply now.

Empowering individuals

Empowering individuals with bad or no credit

Nationwide       support

Nationwide support and education

What We’re Offering

All Loans Services

Drive Your Future Forward with Affordable Low Interest Vehicle Loans & Refinancing.
Reliable transportation is the key to financial stability and success. At On the Road Lending, we offer affordable vehicle loans to help you purchase a dependable car—and refinancing options to lower your monthly payments and improve your financial outlook.

Our Vehicle Loan Services

Need to Refinance? We’ve Got You Covered!

Already have a car loan? We offer refinancing options to help you:
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Customers Testimonials

What Our Clients are Saying About Us

Everyone at On The Road Lending was super helpful and understanding. They took time to truly listen to me. I drove away with a new, low-mileage, beautiful, reliable car. If you are in search of a dependable and reliable vehicle, go see the folks at On The Road Lending!

Elisa

Elisa

I’m so grateful for this company! Everyone was so helpful and made me feel comfortable from the beginning. The process was so easy, my payments are very reasonable. I’m so glad to have this second chance.

Erica

Erica

There was someone with me every step of the way. Everyone I interacted with was so kind and great at explaining what was going on. My payments are affordable, and I love how they got me ready for this major purchase by assisting me with a budget.

Jasmine

Jasmine

The people at On the Road Lending truly do care. If not for them I would not have been able to keep my job. My coach always checked in with me and helped me create a budget that I still live by today. I am so thankful for everything they do.

Jay

Jay

Celebrating a Decade of Impact

On The Road LendingHome

Loan Process

Secure an Affordable Vehicle Loan with On the Road Lending

If you have bad credit or no credit at all, we provide affordable bad credit car loans, vehicle selection assistance and financial mentoring to get you on the road to success. We offer affordable loans to individuals with bad credit or no credit history in Georgia, Kentucky, North Carolina, Mississippi, and Texas.
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Loans Approved

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Daily Payments

Happy Customers

Staff Members

Meet Our Clients

Here are the stories that inspire us.

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Ready to Get on the Road?