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OpenRoad Lending

4.0 out of 5 stars
49 Reviews

From Borrowers in the last year


Application Process

3 out of 5 stars

Customer Service

3 out of 5 stars

4 5

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Most Helpful Positive Review

May 04, 2016
car loan
mbenz1969 Borrower

best option about refinance , easy process  , easy respond , always talk to a person no a machine , my process was so fast that I recomend it to my friends .

Thanks Kayla Baker for all the help on the process ... Carlos Torres Elkhart Indiana 

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Most Helpful Negative Review

Apr 29, 2016
Sunshine4283 Borrower

I'm only reviewing this place because i couldn't believe how unprofessional they were. So i applied for an auto refinance from this lender at the advice of credit karma. I figured if they are advertising for them, it can't be bad. So, i applied on Friday afternoon, and had an email Monday morning about logging on to finish my paperwork. They even called me multiple times throughout the week, trying to get this all finished.  First thing i didn't like about it was a "required" document that was needed was a "power of attorney" For what? Second they said they could lower my loan by $24.00 a month. That didn't even equal out to one payment a year, in my case. So i emailed them back and told them i wasn't really interested that refinancing for a longer term at this point to only save 24 a month wasn't worth it to me, and asked them why they would need a power of attorney signed and began to question some of what they were doing. This when it gets really sketchy. So all of the sudden i get an email from courtney castillo (the useless robot i've been dealing with) and it's a set up automated email saying that now my application has been denied to go to the website and log in to find out why. I'm assuming when i told them that their refinance sucked and started asking why i would need to sign my rights to a power of attorney they caught onto the fact that i maybe knew more than i should. So i emailed her back and asked why or was it normal to approve people, harass them via email and phone, and then when they don't think your offer is anything great, then all of the sudden they aren't approved? As i had said i wasn't going to use their services to begin with. I just thought it was kind of sketchy that i was approved then all of the sudden i wasn't approved. I feel like there is no reason why somoene couldn't explain that for me. My feelings aren't hurt. I can financially afford the payment i have, i just was trying to see if i could lower my payment a bit to save up for a vacation we would like to take. So please understand this place is SUPER SKETCHY. I'm really almost sorry i gave them any of my personal information at all. I feel like someone who doesn't have something to hide could answer this simple question, or they got mad that i said i wasn't going to refinance through them, or they were mad i was inquiring about something sketchy they were about to do. I will review this same way about this company every and anywhere i can, including BBB. What a load of crap this place is. Don't waste your time.

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These reviews were written by current and former borrowers in the last year.

Oct 04, 2016
Anonymous Borrower

If you get approved and take on a loan or refinance a loan. Other banks look at you like your a joke with roach credit. Even if you are struggling to rebuild your credit, you will struggle that much more. Don't do it! Go through a reputable bank ,not this cut throat mafia style bank.

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Aug 23, 2016
Anonymous Borrower

Avoid at all cost

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Aug 21, 2016
Izzyarango Borrower

I don't understand why credit Karma has these people as a recommended company.  Big time bait and switch.  Credit check killed my sisters credit and interest rate was not competitive

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Aug 20, 2016

Glad I read the reviews before applying. Would have sucked to try to get refinanced and went through a bunch of shenanigans!!! I'll go to my credit union instead!!!

Thank You!!!

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Aug 13, 2016
It lowered my interest rate and payment
CFKinPA Borrower

This company does not actually make the loan. They act as your agent and work with over 20 different finance companies. My original auto loan was at 9.71% with monthly payments of $368.99. After refinancing my interest rate was lowered to 6.49% and my payments are now $315.92. 

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1 Reply
Aug 26, 2016

What was your current fico at the time and did your car have over 100k miles?

Jun 27, 2016
Easy, helpful, saved me money!
Anonymous Borrower

Ask for what you need and then follow the simple instructions. Easy!! 

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Jun 21, 2016
Time not wasted
MTLL Borrower

I am glad I read the reviews.  I will not bother to apply.  Sounds like credit karma needs to do a better job with who they deal with.

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Jun 08, 2016
Loan for my car to lower interest rate
msantos75 Borrower

This loan helped me to lower my interest rate and take months off my loan. It was well worth the time it took to get all the paperwork to them.

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May 13, 2016
Saved by the Reviews
IbEO207 Borrower

I didn't apply! But I was close to initiating the inquiry for lower interest payments since I'm paying 19% but I'll be safe and take heed. Thank you all!!!! lol

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May 31, 2016

Same here after reading all of these 1star i know to stay away from them. Im just gonna go to my local bank. lol

Oct 25, 2016

Same here, I'm really surprised Credit Karma advertises such shady company. Shame on them, thy should review all these bad reviews and take this company off their website.

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