GET A CAR
How to get a car through On the Road Lending.
We provide affordable loans, vehicle selection assistance and financial mentoring to get you on the road to success. Just follow these simple steps!
STEP 1: INPUT YOUR BUDGET
The process starts on our website HERE. After a few preliminary questions, you see a short list of information to gather BEFORE you begin the application process. Your budget will determine if you qualify.
STEP 2: WORK WITH YOUR COACH
Your interest rate isn’t tied to your credit score. Everybody who qualifies pays the same rate—9.75%. We get to know you to evaluate your ability to be successful. The last thing we want is for you to fail!
STEP 3: TELL US YOUR STORY
Your personal story is important to us. When we get to know more about you and your circumstances, it helps us understand why we should make you a loan.
STEP 4: SAVE FOR YOUR DOWN PAYMENT
Our most successful clients invest in their cars with us by making a down payment, which reduces the amount of the loan. At the least, we ask you to save for tax, title and license. It may seem hard, but it’s easier than you think! There is a $50 fee to apply.
STEP 5: PLAN FOR CAR OWNERSHIP
A car will change your life, so you will want to take care of it. Maintaining insurance and making a plan for car maintenance are key.
STEP 6: ENJOY YOUR CAR!
After you’re on the road, we want to hear how you’re doing. Let us know if you get a new job or a raise. Your coach is here for you over the life of your loan. When you pay off your loan, you help more people get reliable loans for affordable cars.