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Car Loan or Auto Refinance Credit Application

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  • We are a direct-to-consumer lender, not a loan broker.
  • We are owned by Banco Santander, the 6th largest bank in the world with over 66 million customers.
  • We have more than 12 years of experience, helping over 2 million customers buy new or used vehicles and refinance their auto loans.
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Loan & Vehicle Information

Buying Requirements:
  • Minimum loan amount is $5,000
  • Maximum loan amount is $75,000
  • Dealer Purchase — Vehicles to be financed must be 2005 or newer with fewer than 120,000 miles. Vehicle restrictions apply.
  • Refinance and Cash Back Refinance — Vehicles to be financed must be 2007 or newer with fewer than 105,000 miles. Vehicle restrictions do apply.
  • Private Party Purchase — Vehicles to be financed must be 2002 or newer with fewer than 100,000 miles. Vehicle restrictions apply.
  • We do not offer financing for commercial vehicles, motorcycles or recreational vehicles.

Borrower's Information

Personal Information


Employment Information

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† Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repaying this loan.

Adding a co-applicant can often increase your opportunity to receive a higher loan amount and better rates.

Co-Borrower's Information

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Loan and Vehicle Information

Personal Information



Refinance Information

The terms “you” and “your” refer to each consumer applying for a RoadLoans auto loan made by Santander Consumer USA Inc. (“we,” “us,” and “our”).

You certify that all of the statements in the application are true and complete and are made for the purpose of obtaining credit. You certify that you have a valid driver's license and that you read and understood the Privacy Policy and Fair Lending.

You read and agree to the Consent for Sharing and Use of Information.

You read and agree to the Monitor, Recording and Communications.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

By clicking the “Apply Now” button below, you agree that we may obtain credit reports about you to process your application and for legitimate purposes related to any RoadLoans auto loan you might receive (such as reviewing, collecting, and servicing the loan). Upon your request, we will inform you whether we requested credit report and provide the name and address of the consumer reporting agency that furnished the report. You also agree that we may verify your employment, income, and other relevant information related to your application. You understand that a RoadLoans auto loan may only be available for approved applicants who purchase automobiles from the inventory of select dealers located in your state.

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