Need an affordable loan for a reliable car?

A car changes everything!

We are an alternative to buy here, pay here lenders.

We don’t rely on credit scores but instead use character-based lending and help you budget for a car, find a reliable vehicle, and coach you throughout the life of your loan. If you can answer YES! to these questions, then you’re ready to apply.


Is your monthly take-home pay $1,500 per month or more?


Are you willing to work with a financial coach, complete our financial education course, save for a down payment, and select a car that will get you on the road to a better financial future?


Do you live in Alabama, Georgia, Mississippi or Texas?

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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.