Hi... I am now on my second loan with Road Loans (actually, they just sold my
loan to another bank but I can still share my experience with you). If... your credit
score is not that great (like mine), we don't always have the option of going with
lower APR financing at a credit union, bank, etc. If that is true in your case, I think
Road Loans is fine given the situation. You can always try and refi your loan later
if need be to get a better APR. If you do use Road Loans and get their blank check
sent to you, just make sure to read everything carefully and follow all their directions
to the letter and you should be fine. I think their customer service is pretty good.
I have had no issues with them on either loan I have had.
This last purchase I made (about a month ago), I was also approved by Toyota
but I really didn't want a Toyota and their approval was very restrictive. If you might
want a Toyota, you can apply with them on line and get a response fairly quickly.
Also, Ford Credit seems to be lenient in financing, you can apply with them on line
as well. I have found GMAC, Chrysler and Honda to be harder to get approvals with
(in my experience). I think Nissan is another one that you might try.
Good Luck!