Bad Credit Car Loans

How to Get a Car Through On The Road Lending

Apply for a Vehicle Loan in in Three Easy Steps!

1. Submit an online application.

• Your two most recent paystubs in PDF format
• Your two most recent bank statements or deposit account in PDF format
• Your current driver’s license or government-issued ID in PDF format

2. If qualified, you will be invited to complete a video or phone interview..

3. Vehicle Selection Process

Ready to get on the road?

Liability

This type of insurance is required in all states except New Hampshire.

Collision

Collision insurance covers damage caused to your vehicle in an auto accident. You’re covered whether you hit a car, a pole, a tree or any other nonliving/inanimate object. It doesn’t matter whether the accident is your fault or someone else’s.

Comprehensive

Comprehensive covers damage to your car in some way other than a collision including fire, theft, vandalism, flooding, or hitting an animal. Most comprehensive policies also offer glass coverage.

GAP

This type of insurance protects you when you owe money on a depreciated vehicle. In the event of an accident in which you’ve badly damaged or totaled your car, gap insurance covers the difference between what a vehicle is currently worth (which your standard insurance will pay) and the amount you actually owe on it.

Why Do You Need These Coverages?

Because liability insurance alone does not cover damage to your car—only cars you hit. And GAP insurance protects your financial well-being.

Download PDF

Insurance

Insurance is required in all states except New Hampshire. There are many different types of insurance. Please refer to our Understanding Insurance Coverage document.

Repairs

Repairs can come up unexpectedly. SUVs and luxury cars have higher cost for repairs that you should consider when choosing a car.

Fuel

Your fuel costs vary according to the type of car you buy and the number of miles you drive. Poor gas mileage leads to higher out-of-pocket expense at the gas pump. The car we choose together will take all of this into consideration.

Maintenance

It is important to take good care of your car because it is an asset. These costs include routine maintenance, such as oil changes, tire rotation, and replacing worn out parts.

Parking & Tolls

We can help you include these everyday costs in your budget.

Why Do You Need To Consider These Things?

Cars cost more than just the car payment. We will help you budget for these hidden costs.

Download PDF

We help clients choose the right car based on their income and family needs. Some of the cars that our clients have financed with us are listed below:

Checklist For Test Drive

Once we’ve approved your auto loan financing, it’s time for you to head out to a dealership to test drive your new vehicle. At On The Road Lending, we strive to ensure that you purchase a quality used vehicle from a reputable dealer. However, it’s important to note that since you’re purchasing a used car, some imperfections such as minor wear and tear, dings, or spots on the upholstery may be present. These are acceptable as long as they are not significant and do not affect the car’s performance. If a car doesn’t run well and the dealer promises to fix it, we’ll simply move on to another car selection.

As we cannot be on location with you during your test drive, we’ve created a helpful guide below. If you haven’t completed an application for our affordable auto financing yet, learn more about our loan process here. We offer auto loan financing to individuals with bad credit or no credit history in Georgia, Kentucky, North Carolina, Mississippi, and Texas.

• Look at tire condition and tread.
• Look at body of car, bumpers, paint – make sure bumpers are secure, the seams of the car match up nicely and the paint meets your satisfaction.
• Open trunk, lift carpet, make sure it is clean and dry – most cars do not come with spare tires, you can discuss spare tire options with salesperson. Many newer cars have replaced the temporary donut tire with a can of air to refill and seal a tire. Often the temporary tire can be purchased.
• Open hood and check battery cables – make sure they are clean.
• Check oil dip stick, making sure the oil is clear and not dark.
• Turn car on – make sure it starts easy.
• Test all accessories on the dashboard. Lights, wipers, windshield wash sprayer, heat, a/c, radio etc.
• Test drive car and leave the radio off – listen to the engine shift, notice if it drives smoothly and does not hesitate when accelerated. Listen to brakes when they are applied – squealing may indicate they will need service or replacement.
• View interior of car make sure that it is clean, and meets your satisfaction.
• If Dealership promises Repairs or Services after you take possession of a car, always get this promise in writing on a “We Owe” form.
• We recommend that you bring someone with you that is knowledgeable with vehicles to help determine the condition of the car or pay a mechanic for a professional opinion. AutoZone or other parts store may offer free scan for engine codes.
• Review CARFAX or AUTOCHECK REPORTS for prior damage, accidents and inconsistencies. We do not Finance Branded Titles (Salvage Rebuild, Flood, Lemon)
• Considerations: You are purchasing a used car and some cars may have imperfections such as small, normal wear and tear, dings or a spot on the upholstery. This is ok as long as they are not drastic and interfere with the car performance. If a car does not run well and a dealer promises to fix it, we will just move on to a new car selection. If the repair or service is minor, you may get a written promises on a repair or service. You will want to make the car available for the repair to be completed within 2 weeks of taking possession. Purchasing a car is a big investment, it is always recommended to take the car to your mechanic for inspection when possible.

Download PDF