Now making loans in Kentucky and North Carolina!



Need an affordable loan for a reliable car?

Affordable Car Loans for Bad Credit

We believe that better cars lead to better jobs and better lives! On the Road Lending is a human empowerment initiative that was formed in 2013 to assist people in finding cars that suit their needs and to educate them on making sound financial decisions. Through our affordable car loans, we offer low-cost financing on reliable vehicles based on individuals, not just their credit scores. This transformative auto lending process is fostering prosperity one car loan at a time! We provide auto loan financing to individuals with bad credit or no credit history in Alabama, Georgia, Kentucky, North Carolina, Mississippi, and Texas. Learn more about our loan process or apply now .

Get a car in three easy steps!

1 Apply and submit documentation.

2 Complete phone review.

3 Pick out your car!

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!


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.


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.


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.


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