I applied through RoadLoans.com and received an approval within seconds. My approval was WAY more than what I planned on financing, with no down payment, at an interest rate I could easily live with. So I was a little concerned that it was too good to be true. I already had a vehicle in mind, and had done lots of research on RoadLoans, including that CarMax was one of the dealerships that works with RoadLoans easily. My first contact was with another dealership, just because they showed as preferred on my RoadLoans packet. This dealership wanted some of my accounts paid off, which I later learned that they were trying to run me through their in-house financing options versus using my RoadLoans approval in order to avoid paying the RoadLoan fees. So I contacted CarMax through their website, and dealt with a very nice salesman who was able to get most of the legwork out of the way via email.
He sent me several cars to look at, I chose one I wanted to test-drive, and made an appointment for the next day. I expressed my concerns to him about them wanting different items than what RoadLoans listed on their paperwork, but he assured me that everything needed was already listed. I test-drove the car the next day and was in and out of the dealership in two hours (half of which was spent with the salesman just talking about things unrelated to the sale), no money down, in a vehicle 3 years old and loaded with options. Within 3 days of my purchase, I received notification that my loan had been funded and I would receive correspondence with my payment date and amount. I won't hesitate to use RoadLoans again if I ever need them.
I applied online with road loans on 12/08/14. I was very skeptical considering my credit. I spoke with a customer service agent who took my application over the phone. She told me I would be receiving an email shortly. I immediately assumed I wasn't approved. I waited for two hours and called them back to follow up. I hadn't received an email because I had a fraud alert on my credit and had to verify additional information. Once I verified I received an instant approval. I contacted a dealership on their list whom claimed that road loans wasn't an extension of credit and he would need my information to get approval from their financing. I set an appt but I came across carmax whom instantly stated they accept road loans. I picked a few cars online and narrowed it to one car in houston. The sales consultant had it shipped to me in a timely manner, kept in contact with me until it arrived. She also contacted road loans and had my loan adjusted to cover an extended warranty for full repairs for 5 years.
I got the exact car I wanted, was not pressured for more money than road loan stated. I had to put down and completed my whole transaction within 2 hours. Thanks road loans and of course the interest was high but you know what you're getting into if your credit is bumpy and you must remember it's only a stepping stone!
Hands down best experience I ever had buying a car. I went to the dealership with my approval. I drove off with my car under an hour. Thanks to Jordan at Carmax Escondido. Carmax need to hire more sales guys like Jordan.
My experience so far has been positive. The entire process was extremely smooth. From obtaining the loan, to picking out the car, to paying my first payment. It has all been great.
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I applied with RoadLoans because they lead you to believe they can help nearly anyone in their advertising. It's simply not accurate and is deceptive. I have a current loan but want a better rate and a recovering credit score but was denied because of a couple old late payments and long-ago discharged bankruptcy. I have positive lines of credit and 2 credit cards in good standing.
I need help please... I filled out an online application for a car loan with RoadLoans about two (2) weeks ago. I was leary because I am low income, disabled with a low monthly disability amount (less than $1800). Within minutes of filling out the form I was congratulated on being approved... I was shocked... Then I began getting automated calls from RoadLoans congratulating me on my approval. After that I began getting emails from RoadLoans showing me various cars that fall into my loan amount category... Mostly all the cars are at the QueensAutoMall.com. Once I read about RoadLoans and Queens Auto Mall, I presumed they were on the up and up... I called Queens Auto Mall and made an appointment with Emily ** to get this all going for myself. I had a car in the past but that story is really a sad and horrible one.
I told Emily that story and also made sure you understood that I get LESS than $1800 a month in disability... No bank accounts... Just a Mastercard debit from the government. She said it's ok 'we can work with you...' Well, today I called RoadLoans in error... I was calling Queens Auto Mall to confirm my Sept 3rd appt. and to ask my Rep, Emily ** a question. A man answered, and because I still thought I'd called Queens Auto Mall, I gave him my social... He then rudely tells me that I CANNOT be approved because I get LESS than $1800 a month. What?!? I asked him how can that be if I was approved two (2) weeks ago... given an ID number and emailed on what dealerships deal with RoadLoans. Still rude, he says I should call another lender or deal with Queens Auto Mall. I had filled out a finance form online for Queens Auto Mall earlier today at the request of my Rep, Emily **.
After I learned this news from RoadLoans I called Emily but she went to lunch. So I mentioned it to another Rep who claims that I shouldn't worry and that "they will work with me". It's been four (4) hours now since I last spoke with Queens Auto Mall... No one called me back yet. I'm extremely upset as I really need a car. I need help please? The following is an explanation of why I no longer have my car and why I need a car now:
When I was still able to work I purchased a car when I was living in a suburb of Buffalo. I worked hard and paid my monthly car payments on time religiously for three (3) years to Credit Acceptance. My psoriasis, scoliosis and rheumatoid arthritis and the pain it causes grew increasingly worse. I had made my final car payment in October of 2011. I was so happy that I was able to do this on my own. In early 2012 my daughter in Brooklyn, NY suggested that I come and live with her and her husband. She said she missed me and knew I was struggling with physical pain. I agreed after some hesitation and came back to my hometown of Brooklyn to be with my daughter. She and her husband became pregnant with their first child. All of us struggling I could no longer pay my car insurance. I had exhausted what little savings I'd brought with me.
My plates needed to be surrendered. But I needed a place to keep my car for free until I could get my car back on the road. My daughter and her husband brought my car to a nearby supermarket. The manager gave them permission to keep my car in the store lot as long as it was out of the way of patrons. I stayed home to watch my newborn granddaughter. Plus, there was no way I could have walked or taken public transportation to that store. I had my daughter post a note on windshield and rear window giving my contact number and stating that my car had NOT been abandoned. Two days after leaving my car in the store lot, my daughter's husband went to check on my car. He called my daughter to tell her my car was GONE. When she told me I almost fainted. Not only did I lose my car and its contents. I also lost my mother's ashes that were in the trunk.
Later we realized that the manager was somehow in cahoots with the tow truck place. Because that truck came from way on the other end of Brooklyn to illegally and unjustly tow away my car. Once I got tow truck owner's phone number I called and pleaded, begged and cried for him to PLEASE tell me where my mom's ashes are. Where's my car!! Oh God the torture I'm still going through. My poor mother deserved better than whatever happened to her. For that, I have constant nightmares. I'm a only child (58 yrs old now) with no extended family. Just my daughter. I live with an older daughter that doesn't bother with me. That's another story or due to the brainwashing of my ex husband on her. Other than my daughters, I have no one else.
Now I receive disability. Unfortunate for me, the amount is lower than $1000 a month. I can BARELY survive. I can't afford an apartment or even a room of my own. So I live here with my daughter. I'm so lost and trapped here. She gets to borrow her father's car now and then. I have to take car service to doctor appointments. I feel like a prisoner. My granddaughter is now three (3) years old and I watch her while her parents work. My daughter was just diagnosed with MS. So now there's added stress and anguish to an already overflowing plate of despair. I need a car please? My own car. To go to the doctor's office. Or some food shopping (I get $194 in good stamps for me. But I buy food for the 4 of us with that because they stopped my daughters and he can barely pay the rent). I give my daughter $200 a month towards the rent.
Plus I'll buy paper goods, food, etc. when my food stamps haven't replenished. Or when they run out of food and all I have is my disability money. I bought my daughter a cheap recliner from Overstock.com because her back is in much pain and she had no comfortable place to sit. I'm in constant excruciating back pain, with joint pain added. But she needed the recliner. I'm generous with the very little money I have. I wish I could help everyone. I truly do. I'm sorry this was so long. But I needed to explain my story the best that I could.
That tow truck owner is not a nice man. He took my car, my mother's ashes. He took my life that day when he took my car. After struggling and working paying it off every month for three (3) years. This is all too devastating. Can someone please help me with a car? I have no where else to turn. I also very much need to know what that evil tow truck owner did with my mother's ashes. It's all such a painful nightmare. I'm so sorry this email is so long... But I need help very badly... I have no one else... Thank you for your time, patience and consideration in this matter...
RoadLoans were so helpful. Very nice people to speak to. Very accurate. Worked with me. I would like to give you all my appreciation. Thank you and have a bless day.
I was treated with great care and respect by all RoadLoans Staff.
All of a station they are there for you, making good things happen in your life to get a hand up in life. Thanks RoadLoans.
Antoine was great. He was quick to respond and very thorough.
I was left in a very bad situation and needed to replace my vehicle. To save my employment, RoadLoans was fast to respond and easy to deal with. I would highly recommend their services.Thank you again.
Road Loans have made this lease/purchase experience for me great and seamless. I completed all the necessary forms and returned it to them. Everything was processed within a week. Thank you!!!
On 07/09/2016 I found myself surfing the internet casually browsing everything from my Home Page to Craigslist to my credit report and I paid a visit to LendingTree in the process. Just because I am curious I decided to look into the various tabs across the top of the site and when I saw the auto loans tab I clicked on it and started sort of kicking the tires, so to speak. In my mind it's kind of the modern day equivalent of "window shopping" from a long ago era.
As I sorted through this process I supplied the information that LendingTree required of me to continue which included the last 4 numbers of my social security number. Never did it occur to me that what was happening was that they in turn were passing my information onto various lending companies so as to offer me a loan that I wasn't REALLY searching for. I was really just curious to see what the going rates on auto loans are these days as I currently drive a 1994 Ford Ranger and am looking down the road a bit and it's obviously been quite a while since I've shopped for a car.
To my astonishment I was suddenly inundated by several different lending companies: Carmax, RoadLoans, and LightStream within minutes. I'm thinking that ALL THREE of them have done HARD PULLS on my credit report and I'm not too happy about it. But this is the astonishing part: the offers that I received were based upon an outdated report from LendingTree and the APR I was offered with RoadLoans with a current 735 Credit Score was 27.91% while LightStream offered me 1.99% APR. Are you people CRAZY? I wouldn't choose these people to service my loan in a million years! In my opinion this is a shady way to do business.
There is no transparency. So much goes on between Roadloans and the car dealers to the disadvantage of the buyer.
I just purchase a 2012 Mazda 6 from Carmax using the Roadloans financing... I'm on disability and I have bad credit... and get this? I only had to pay $350 down payment. Yes the interest rate is high but you make your payment on time and refinance down the road... I highly recommend this company.
Fast, easy and helpful. They helped me to finance a 2016 Hyundai Elantra. Strongly recommend RoadLoans. Thank you so much.
From the approval process to the signing of my loan papers, RoadLoans was more than helpful! Customer service was always readily available, and you spoke with a "live" person on every call! I requested an increase on my loan from the original approval, which was granted right away, with new loan docs sent immediately to me! I highly recommend RoadLoans to anyone wanting the "buying power" when buying a car! Just a word of advice... Not all dealers accept the RoadLoans approval. Carmax will with no problems! Thank you RoadLoans for the opportunity to buy my dream car!
Very helpful with their client and understanding their needs.
The selection was great. Notes are very affordable. Warranty good on a used car. The car was clean as a new one and they went over the mechanical part very well. Thank you.
I have to say that I didn't think I would have been approved for such a loan. I have bad credit and I really needed a car. It was a very comfortable and quick process. I was treated with respect and got the car I wanted. I will recommend RoadLoans to anyone in my shoes.
Poor Customer Service. Purchased the car at awesome price then RoadLoans added a dealer charge for the dealer of 1941 so I ended up paying 2000 more than anyone else. This is wrong and should be illegal. Shame on RoadLoans.
I went to a CarMax dealership because RoadLoans had them like dealership. I submitted the application as a new purchase because I am not trading in an open car loan because I need another car for me since my husband had the other one and was unable to get approved because they want to trade in the other car. Even though I am the primary applicant with a valid driver's license.. What's the purpose of submitting a pre-approval when they changed their mind on the approval after getting to the dealerships?!
My wife was trying to get a loan for our car, and CarMax was the one that suggested RoadLoans. Everything went fast and smooth and it was a pleasant experience.
I wanted to get another car and RoadLoans was the only one that gave me a chance so I decided to pursue auto financing through them. The RoadLoans specialist was excellent and I had a good experience with them.
A couple of friends of mine got a car through RoadLoans.com so I had to try them. Their specialist was nice and they gave me a chance. It was a good experience and I would recommend them.
I was trying to get a low interest rate for a new vehicle and RoadLoans' interest rate was low though it was not as low as I wanted it. I got the vehicle and I also got a cheaper interest rate with them than the other competitors. I'd definitely recommend them.
I heard good things about RoadLoans and decided to give them a try. Their loans rep was very good and I appreciate them giving me a chance to purchase my vehicle. I would be more than happy to do business with them in the future.
I wanted to buy a vehicle and used RoadLoans. The reps were very helpful and friendly. With the vehicle that I wanted, I needed a little bit more and so I called and they didn’t give me any problems. They asked me different questions and when I got to the place to get the loan, they had the old one but were able to send out a new copy with the new amount.
I was looking online for auto loans to purchase a vehicle, and I pursued RoadLoans because of the reviews. Their reps were all good and helpful. Every time I called, anything I needed to have done was done quickly. Their customer service was very professional.
Lauren FixAutomotive Contributing Editor
Lauren Fix is an automotive expert who earned the title of The Car Coach, and is recognized throughout all forms of media as a woman with in-depth knowledge on vehicles, technology, automotive finance, repair and trends. Founder of Automotive Aspects, Inc., her understanding of automobiles has made her the “go to” person on TV, radio, print and the internet. She writes a column for multiple outlets including Parade Magazine, NewsMax and Car Coach Reports. She is a regular guest on all the major news and morning shows discussing the latest updates on cars that will help drivers of all ages learn to about cars and make smart decisions.
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RoadLoans offers loans on new and used cars from dealers, as well as purchases from individuals. The company also offers cash-back refinancing options and specialize in providing great rates for customers with poor credit history. This online financing company works with online sales and offers pre-approved auto financing.
- Low credit applicants: Applicants who have a hard time getting a loan from other lenders because of low credit scores can work with RoadLoans.com to get approved for a loan.
- Easy payment options: Customers of RoadLoans can pay their loan repayments in a myriad of ways, including phone, mail, MoneyGram, Western Union and ACH, making it convenient for any customer.
- Instant application: The company allows applicants to apply instantly online and get a loan decision by e-mail in less than 30 seconds.
- Apps: They have a convenient app that offers users a complete resource center to manage their loans. Customers can easily log in from their mobile devices to check on the balance of their loans, make payments and contact support.
- Fees: There are no application fees when you apply. When your application is approved, you download the loan documents and instructions online and return the required signed documents to RoadLoans. There is no obligation to activate the loan.
- Competitive rates: They offer competitive rates and make it easier for borrowers to pay back their loans with low interest. The rates depend on a borrower's credit history and income level but it can be as low as 3 perfect.
- Best for Customers with low credit scores who have had trouble getting approved by other lenders.
RoadLoans.com Company Profile
- Company Name:
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- P.O. Box 961245
- Fort Worth
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- United States