On the Road Lending, LLC

What their website says about applying

• Start by completing our online application, where you will provide the following documents: source
• Your two most recent paystubs in PDF format source
• If qualified, you will be invited to complete a video or phone interview. source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

• No or thin credit history considered We are a national organization providing auto loan financing to individuals with limited or no credit history in Georgia, Kentucky, North Carolina, Mississippi, and Texas. source
• Low or damaged credit considered Absolutely not! We take your credit history into account, but that’s not all we look at. source

Only rules the lender's own pages state. Other requirements may apply.

Read from 12 pages of the lender's website on 3 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: low. Loan applications have been on hold since February 27, 2025, so no active loan product is listed. Terms change — confirm with the lender before applying.

No loan products could be confirmed on the pages we read. That does not mean the lender has none.

Based on what their website said when we read it on 3 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. What kinds of loans do you make, and which one fits what I need?
   We could not confirm any loan product on the pages of their website we read.
2. What are the smallest and the largest loans you make?
3. What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
4. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 38-3910893, filed as “ON THE ROAD LENDING”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The filing shows no amount on the notes-and-loans line; a loan fund can report its loans on other balance-sheet lines, so this is not a loan figure. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer

Filings over time

Total assets fell 28% from Dec 2021 to Dec 2023. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).

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