The one issue with Roadloans is getting dealers to use it. They charge dealers fees for using it, any where from a $500 to $5k depending upon the person.
They do have a lot of complaints just like many other subprime lenders but I do believe a good amount of those are from people who don't pay on time. My brother in law has a loan though them and has had zero issues.
More then likely a dealer will be able to do better then that offer any way.