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What We Do
Affordable Car Loans for Bad Credit
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
- Affordable Financing: Get a low-cost loan on a reliable, fuel-efficient car that fits your budget and needs.
- Character-Based Lending: We look beyond credit scores, offering loans based on your potential and financial responsibility.
- Comprehensive Support: Through our sister nonprofit, OTR Resources, we provide loan education and financial guidance to help you succeed.
Need to Refinance? We’ve Got You Covered!
Already have a car loan? We offer refinancing options to help you:
- Lower your interest rate and monthly payment
- Reduce your loan term and pay off your car sooner
- Improve your financial flexibility
Annual Reports
Gaining Traction
Read about our progress over the years.
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
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
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
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
Celebrating a Decade of Impact
Loan Process
Secure an Affordable Vehicle Loan with On the Road Lending
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Loans Approved
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Daily Payments
Happy Customers
Staff Members
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