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If you've been trying to purchase a vehicle and keep getting turned down for financing because you have no credit or less than perfect credit, don’t despair. RoadLoans® works with eCredable® to help people qualify by looking beyond their FICO® Score. eCredable uses ALL your bills you’re paying like rent, utility bills, insurance, mobile phone and any other bills to give you a credit rating RoadLoans can use to approve you for an auto loan.

How To Qualify

Earn an “A” or “B” AMP Credit Rating® from eCredable and meet RoadLoans’ income criteria.

Set Up Account

Sign up for FREE. Next, grab all the bills you pay and enter the account information into your eCredable account.

View Estimated Rating

eCredable uses the bill payment information you've entered to provide you with a preliminary look at your AMP Credit Rating.

Order Credit Report

To order an AMP Credit Report, the bill payment information you've entered into eCredable needs to be verified by eCredable.

Apply For Auto Loan

After your bills are verified, you can apply for your auto loan and be eligible for approval.

Get Low Monthly Payments and Great Rates on an Auto Loan

APR is the Annual Percentage Rate. The rate savings advertised can vary based on the creditworthiness, age of vehicle and terms of the loan. Your rate can vary depending on your credit performance. APR is calculated according to the simple interest method for a term of between 12 and 72 months.

AMP Credit Rating Interest Rates Down Payment
"A" Credit Rating 11.99% APR** $500
"B" Credit Rating 17.99% APR** $1,000

**APR is the Annual Percentage Rate. Depending on how many bills you have verified a typical AMP Credit Report costs $80-$100. Bill payment verifications are done at your request for a one-time charge, and are typically accepted by creditors for 45 days after they were verified.

You can save thousands by not turning to Buy-Here-Pay-Here

You Could Save Up To $10,326!
When Compared to a Typical BHPH

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eCredable is not a lender, broker or financial institution and as such is not involved in any decision to extend or deny credit. eCredable does not warrant, endorse or guarantee service or products of any lender and does not guarantee any rates, points, fees or loan programs posted through or by our network of lenders. Nothing contained herein shall constitute an offer or promise for a loan commitment or specific interest rate agreement; and is not liable for any damages or costs of any type which arise out of or in connection with your use of any service provided by the lender you select.

About RoadLoans

Santander Consumer USA Inc., owner of the®, Drive® and Santander Auto Finance® brands, is a leading company in the automotive finance sector, whose core business is indirect, direct, and third-party originations and servicing of auto loans. The company has a serviced auto loan portfolio of approximately $21 billion and relationships with nearly 14,000 dealers in the U.S. The company began originating loans in 1997 and is headquartered in Dallas.

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Santander Consumer USA Inc. is a majority owned subsidiary of Banco Santander. Banco Santander (SAN.MC, STD.N, BNC.LN) is a retail and commercial bank, based in Spain, with a presence in 10 main markets. Santander is the largest bank in the euro zone and is among the top 15 in the world by market capitalization. Founded in 1857, Santander had EUR 1.383 trillion in managed funds, more than 102 million customers, 14,760 branches – more than any other international bank – and 193,000 employees at the close of 2011. It is the largest financial group in Spain and Latin America. Furthermore, it has significant positions in the United Kingdom, Portugal, Germany, Poland and the U.S. northeast. Santander Consumer Finance operates in the Group’s core markets as well as in the Nordic region. In 2011, Grupo Santander registered EUR 7,021 million in recurring net profit.

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