info@ontheroadlending.com CALL ANYTIME: 888.464.6875
APPLY NOW!
On The Road Lending > Your Questions Answered

Your Questions Answered

Your Questions Answered

We're here to get you on the road to success!

Getting Started

We make affordable car loans in Georgia, Kentucky, Mississippi, North Carolina and Texas. Your monthly take-home pay needs to be $2,000 or more. Does this sound like you? Get started here
Absolutely not! We take your credit history into account, but that’s not all we look at. We get to know you to determine whether or not you will qualify for a car loan.
No, that’s not how we work. We offer affordable loans at below market rates to qualified applicants and like any loan, this requires a payment each month. Our goal is to help you lead a happier, healthier life through vehicle ownership.
Your maximum car payment is determined by your monthly income and overall budget to ensure an affordable and sustainable loan. All applications are unique and each applicant works with our team of coaches and underwriters to assess your financial situation and find a payment plan that fits your needs.
Beyond the price of your vehicle at the dealership, there are many additional costs to consider, such as taxes, registration, maintenance, and fuel. Additionally, full coverage insurance is required by your lender, and On the Road Lending requires full coverage insurance on all financed vehicles to protect both you and your investment. We have a brief description of them here.

Our Process

  • We typically consider refinancing vehicles that are three to five years old with less than 70,000 miles. When evaluating refinancing options, we assess how much is owed on the vehicle compared to its current value. The finance amount is typically determined based on what is available after all expenses. If you have a high-interest loan and your loan amount is close to the value of your vehicle, refinancing may be a good option. However, if you owe significantly more than your vehicle's trade-in value (commonly known as negative equity or being "upside down" on the loan), trading it in can be costly, and it's important to carefully consider all your options.

  • We realize that your credit history only tells part of your story. Unexpected life events, health issues and other problems can hurt your credit score. That's why we consider other factors to determine whether or not you are a fit for our lending services. We want to know who you are and what you're working hard to become.

  • There is no application fee, but there are fees associated with required GPS tracking. We also require you to secure gap insurance and a warranty.

  • On the Road Lending is able to keep interest rates low thanks to the generous support of socially responsible investors and financial institutions. People in our community invest in our loan fund to create a positive social impact, accepting a lower return on their investment to help others achieve financial stability. Additionally, banks provide us with special social impact interest rates, and our nonprofit partner, OTR Resources, secures grants and loans from banks and investors to further support our mission. This collaborative approach allows us to offer affordable financing and help more people access reliable transportation.

  • On the Road Lending helps you get a car loan by using our staff's expertise to guide you through the car selection process. We research and assist you in selecting a car with good value from a reliable, local dealer who supports our program. Our team ensures the vehicles are reliable, fuel-efficient, and under warranty, helping you make an informed choice for your needs and budget.

For Applicants

Watch our video and walk through the process.

The most important thing is to find the right vehicle for your needs based on family size, lifestyle and budget. We make sure you don’t get into a vehicle that you can’t afford. View this list to see the types of vehicles our clients typically purchase.

Take this checklist with you when you test drive a car.

we require full coverage insurance for the life of the loan. This ensures that both you and the vehicle are protected throughout the duration of the financing. There are several types of insurance, and this guide will help you understand the differences and what’s required to meet our insurance standards.
After you get a vehicle, it’s important to stay on track with your monthly payments, regular car maintenance, and insurance requirements. We are here to support you throughout the life of the loan. Timely payments ensure your loan stays in good standing, regular maintenance keeps your car running smoothly, and maintaining insurance protects your investment. By staying on top of these important tasks, you help ensure that your car – your key to freedom – stays with you. Our goal is to help you be successful, and we’ll be with you every step of the way!
Apply Now for loan application details and process.

SimpleTransparentSecure

Ready to Get on the Road?

Apply Now