Get your questions answered.


Q: Who can get a car?

A: On the Road Lending uses character-based lending, rather than credit scores to qualify our clients for loans. Weak credit or no credit won’t disqualify you. We want to help people who have sufficient monthly income after payment of other expenses to support a car payment, gas and insurance. We also want clients who are motivated to make better financial decisions.

Q: How does On the Road Lending help me get a car loan?

A: Our staff is knowledgeable about car selection and has relationships with car dealers supportive of our program. We work with you to determine the best car for your needs, considering family size, budget, the type of job you have, and distance you need to travel. We negotiate with dealers on your behalf. Our goal is to get you into something reliable, fuel-efficient and with a warranty so that it holds its value.

Q: How is it possible to get a low interest rate

A: Our sister loan funds are social impact investment funds. People in the community have invested money to make a positive social impact and are willing to take a lower return on their money for the greater good

Q: How long will it take for me to get a car?

A: The program can go quickly if you are motivated to work with our financial coaches. You are required to take financial education and save for a down payment. Otherwise, the paperwork required can go very quickly. Our goal is to get you through the program in as short a time as possible.

Q: What if I need a car right away?

A: We have several types of programs. Our financial coaches will help determine which one fits your needs.

Q: What kind of vehicle can I get?

A: We will help you find the vehicle that fits your needs based on family size, lifestyle and budget considerations. Most of our cars are less than three years old and are often Toyotas, Hondas, and Nissans, but we have also put clients into Ford and GM vehicles.

Q: Am I required to take financial education?

A: Yes, all clients must take financial education. Our clients really benefit from this.

Q: Are there fees associated with the program?

A: Yes, there is a one-time $50 application fee

Q: What if I don’t have a job?

A: Our Keys to Empowering Yourself (KEY) Program helps the most vulnerable clients. This includes people looking for jobs, those without consistent employment history, victims fleeing domestic violence, individuals who have been recently incarcerated, and students