My score is in the low 500's, and I was wondering if anyone with a similar score has used them and what the Interest rate was on the loan.
Dave, I'd ignore Roadloans and go to a NAME BRAND dealer. Pick out a vehicle FIRST... without discussing your credit. No matter what, don't fall into the "whatty'a want your payments to be" trap... just simply find that vehicle and negotiate the best price up front.
Then, head straight to the finance department and sit down to visit with the finance manager. Explain your situation, tell him/her that you've gotten some "mediocre" offers online and ask for their help in getting financed through their sources. Let them shop you to their lenders, and when they come back with an offer, ask the finance person what their BUY RATE is and negotiate your rate to match that.
Ignore Roadloans. They're trouble just waiting to happen. Real bottom feeders.
My husband has used roadloans for approx 7 months. He got a 9% interest rate on his loan at $18K. We have not had ANY problems with them at all. I read alot of bad things about them but those are those who I would assume, weren't paying on time. We have not had a rate hike, nasty calls, etc... that I read on other boards that had complaints.
Chrysler approved us for a loan and offered 16%! That is just crazy talk!