Mobility Program


 On the Road Lending client Jessica with her Toyota


Our Mobility Program serves individuals, families, veterans, seniors, first-time buyers, people with credit challenges, immigrants and refugees. With us, you don’t have to worry about your credit score! We have a character-based lending strategy that relies on cash flow to get you qualified for an affordable loan. Our vehicle selection specialists consider your budget and family size, and then work with our community of car dealerships to find you a reliable car under warranty. We will work with you throughout the life of your loan to help you improve your credit and financial position. You’ll need to show available monthly income to support a car payment, gas and insurance. 

The process is easy:


Contact us to apply 


Return documents and $50 application fee.



Meet your On the Road Lending financial coach.


Together you’ll review your credit history and income then craft your personalized plan to save and obtain your vehicle.


Enroll in an approved financial education course.


Start the vehicle matching process with your coach to select a vehicle.


Select your vehicle and approve the repayment terms of your loan.


Pick up your vehicle and share your story with the world!



KEY Program


The Fisher family participated in our KEY Program


Our Keys to Empowering Yourself (KEY) Program helps the most vulnerable clients. Some people aren’t ready for our Mobility Program that helps clients who are already employed build financial capability and secure an affordable loan through our sister private-equity loan fund. Our network of community partners asked us to find a transportation solution for their most vulnerable clients taking their first steps toward financial stability. This includes people looking for jobs, those without consistent employment history, victims fleeing domestic violence, individuals who have been recently incarcerated, and students.

Our KEY Program is a provisional transportation collaboration that offers temporary vehicles and intensive financial coaching while these clients find employment, gain job stability and financial skills, and accumulating savings. The KEY vehicles are slightly older and higher mileage than our typical cars.


For people whose current transportation options are to navigate public transit for 90 minutes and more each way or to finance an old, unreliable vehicle at usurious interest rates, the KEY Program offers a pathway to true financial stability. This model is innovative, replicable and sustainable. The KEY Program eliminates transportation as a barrier to economic mobility for thousands of people in need.

The KEY Program is also supported by our lending arm, which makes the loans for these clients who are expected to be in this lower-tier vehicle for about 12 months while they work to qualify for our Mobility Program. At that time, they will trade out of the older vehicle and into a newer car with less mileage.



Disaster Mobility Program


Nearly one million cars were lost in Hurricane Harvey


Hurricane Harvey destroyed more vehicles than any prior storm in United States history—by many counts up to one million cars were flooded. In response On the Road Lending started a new Disaster Mobility Program to get displaced workers into vehicles quickly and for the long-term to help people avoid job loss. We are saving families money by sourcing reduced-cost vehicles through our dealer network and trucking those cars to Houston.

The initiative’s unique characteristics that distinguish it from our other programs include:

  • Deferral of programmatic requirements until clients’ lives are more stable
  • Provision for accelerated underwriting and loan approval
  • Financial assistance to reduce the cost of a car/loan

We are also providing support services to these families, including:

  • Collaboration with insurance companies to assist with timely settlement
  • Financial coaching and support throughout the 5-year loan period
  • Guidance through the programmatic requirements when lives stabilize

We are working through partner agencies, including United Way of Greater Houston’s THRIVE Partnership, to share case management and coordinate connecting client families with comprehensive services.