On the Road Lending


On the Road Lending is a 501(c)3 nonprofit organization founded in 2013 that provides vehicle selection assistance and long-term financial mentoring to address a little understood, but substantial problem—providing a way for low-income individuals to overcome transportation barriers so they can get to work, lead a healthier life, and avoid predatory lending. We help people improve their credit and purchase fuel-efficient, reliable cars, financing them ourselves with a low-cost loan.


After the phone consultation, we will schedule a credit coaching session with our team to review your personal financial picture and other criteria for final evaluation prior to acceptance into the program. If you are accepted into the program, you can expect to get a car loan when you have completed all the necessary work.

The On the Road Lending team also provides assistance with car selection and purchase, taking into consideration your budget and family size. On the Road Lending has established partnerships with car dealers to provide new and nearly new fuel-efficient cars at dealer invoice. Extended warranty is included on each car at a discounted cost to protect you from unexpected repair costs during the loan period.