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RoadLoans.com Review

PROS / Despite being a direct lender, RoadLoans.com provides you with multiple loan offers.

CONS / In order to be eligible for a loan, you need to have a monthly minimum income of $1,800.

 VERDICT / RoadLoans offers versatile loans and allows you to repay through its website.

RoadLoans.com is an online auto loan service operated by the Santander Group that provides loans for used and new cars and allows you to use those loans to buy cars from dealers and private sellers. It has a simple application process, an online portal that lets you repay your loan online and flexible loans that give you more control over the car-buying process. For these reasons, RoadLoans.com receives our Top Ten Reviews Silver Award.


In addition to auto loans, you can also get auto refinancing through RoadLoans. There is also a mobile app that helps you keep track of your loans' progress from anywhere.

Loan Versatility

Through our testing of car loan services, we placed emphasis on services that offer versatile and flexible loans. This is important because it gives you more control over where you can use your funds. Each loan service was scored on the flexibility of the auto loans it provides. RoadLoans.com stands apart as the only service to receive a 100 percent on its flexibility score.

When getting a car loan, you should be able to either start with a specific car in mind or be able to take your loan and shop around until you find the car you want. RoadLoans allows you to do both of these with the funds you receive. Your loan can also be re-adjusted if you find a car that exceeds the amount you were pre-approved for. Unlike most direct lenders, which only give one offer, RoadLoans presents you with three choices: a basic loan, a lowest APR and a low down payment offer.

RoadLoans's website includes tools to help you find cars. You can search for local dealers and compare the costs of different makes and models. With a car loan from RoadLoans, you can purchase a vehicle from franchised and independent dealers. Franchised dealers are those licensed to sell cars from a particular manufacturer. You can also purchase a car from a private seller, though you have to go through a different application process.

There a few restrictions on what car you can get with your RoadLoans auto loan. You can only purchase a car with 120,000 miles or less, and the car cannot be more than nine years old. These are some of least stringent restrictions out of all the services we reviewed.

Application & Repayment

As an online auto loan service, you can apply for a loan through RoadLoans's website. We evaluated each loan service on the ease of its application process. RoadLoans received an 88 percent on our ease of application score. This score examines the application process for the level of user friendliness, the ability to complete it online and the required documents you must submit.

You can apply for a loan through RoadLoans's website, and the only other documents you need to provide are your driver's license and proof of insurance. All online loan services require your Social Security number (SSN) with the application, and RoadLoans is no exception. As part of the application, it makes an inquiry about your payment history.

After you've applied, you can usually be pre-approved for funding that same day, often within a few hours. You don't sign the rest of your documents online; instead, you print them off and take them to the dealer or seller you plan on buying from. Road Loans requires you to have a minimum monthly income of at least $1,800 a month to be eligible for a loan.

After your loan is funded and you begin paying back your loan, you can set up automatic payments through the RoadLoans's site. This is important not just because it is convenient but also because it can prevent you from missing payments, which can adversely affect your credit score.

Customer Support

The quality of customer support is an important consideration when selecting an auto loan service. We rate each service on how helpful its customer service reps are and how well informed the reps are about their service. RoadLoans scored a perfect 100 percent on our customer service score. The reps we contacted were well informed and patiently explained the way RoadLoans's service works.

RoadLoans can be contacted via phone, email or live chat. We were able to get quick responses from customer service through each of these channels.

If you want to learn more about car loans and what you need to prepare for the application process, RoadLoans.com has a variety of resources, including a regularly updated blog, loan calculators and a helpful glossary to help you become better informed about the auto lending process.


RoadLoans stands out in terms of its loan versatility and customer support. You can apply for loans online and repay through Santander's online customer portal. The loans are flexible and can be used at all types of dealerships as well as with private sellers. You can also choose to get pre-approved before you begin car shopping. RoadLoans also has excellent customer service and useful resources about auto lending.