My hubby, like I mentioned before, had a score range of 560-580 on all 3 when he was accepted. Maybe you'll still get an acceptance letter with documents. If you can seriously afford to make payments every month on a vehicle, I wouldn't hesitate (for anyone else reading this) to use Roadloans. We've never gotten any harrasing phone calls, all online payments are handled properly and without delay, etc... Like I said, pretty bad reviews out there but I don't think they are honest with their payment history. I was told however, that Roadloans on your CR is viewed as a high risk loan by any other company.