On the Road Lending    Application

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Personal Information
We serve residents of Alabama, Georgia, Mississippi, and Texas.
Address & Residence
Current Residence
Include apartment number
If you do not know the exact date, please select the 1st of the month.
Only enter whole numbers. No dollar signs or decimals.

Previous Residence
Include apartment number

If you do not know the exact date, please select the 1st of the month.

If you do not know the exact date, please select the last day of the month.
Employment Information
Current Employer
If self-employed, enter the name of the business or indicate type of income
Only enter whole numbers. No dollar signs or decimals.

Previous Employer
If self-employed, enter the name of the business
Only enter whole numbers. No dollar signs or decimals.

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References
Employer
Please provide the contact information for an employer reference. They will be contacted regarding this application.
Landlord
Please provide the contact information for a landlord reference. They will be contacted regarding this application.
Personal
Please provide the contact information for a personal reference. They will be contacted regarding this application.
Questionnaire
Select all that apply.


Vehicle Refinancing Info
$
Demographic Information
The questions we are asking below are for informational purposes only and have no bearing on your application. The answers simply help us provide required data to our generous funders and donors.
Select all that apply.
Select all that apply.
Co-Applicant

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Required Documents
Please attach the following documents in PDF form to help expedite your application. If you do not attach them now, you will receive an email requesting them.  These links are SECURE and UNIQUE only to this application.  

Each file must be no larger than 4.2MB.





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Program Agreement

I/We agree to working with my coach to qualify for a loan on a reliable, fuel-efficient vehicle that fits our family, lifestyle and budget


I/We agree that we will qualify for an affordable interest rate (standard program rate) once I/We have completed all requirements of the OTRL Program.


I/We agree to communicate with my coach regularly. I/We agree and authorize my coach to contact me/us through phone, email and text or other electronic means until such time I/We withdraw this authorization.  I/We understand we will need to complete all steps required by OTRL and complete an approved Financial Education course.


In addition to coaching and support, On the Road Lending provides you with the following:

  • Vehicle selection expertise

  • Insurance coaching

  • Affordable interest rate

  • Discounted warranty and GAP pricing

  • Ongoing support and benefits for the life of the loan 


Down payment Information:

There will likely be a requirement for a down payment in order to secure a loan with us. This is based on the individual profile of each applicant and will vary.


It will strengthen your application if you start saving money now so that together we can get to loan closing and vehicle delivery as swiftly as possible. Savings will show our underwriting team that you have the capacity to add a car payment, gas and insurance to your current budget.


The amount of down payment required to submit your loan will be discussed with your coach at the first meeting.


If all of the steps have been completed accurately and you do not hear from a coach within 5 working days, please contact us at the 214-226-2542.


The more careful you are about following the instructions, the more quickly your loan application will be processed and an appointment with your coach will be scheduled.

Consumer Credit Authorization Agreement

I/WE AUTHORIZE the Lender to make whatever credit inquires it deems necessary in connection with this credit application or in the course of review of collection of any credit extended in reliance on the application. I/We authorize and instruct any person or consumer reporting agency to compile and furnish to the lender any information it may have or obtain in response to such credit inquiries and agree that same shall remain your property whether or not credit is extended. All information set forth in this application is declared to be a true representation of facts for the purpose of obtaining the credit requested. Any willful misrepresentation on this application could result in criminal action. If your loan or line is approved and accepted, we may report information about your account to a consumer reporting agency/credit bureau(s). Late payments, missed payments or other defaults on your account may be reflected in your credit report.


IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT:

To help the government fight the funding of terrorism and money laundering activities, federal law requests all financial institutions 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 you 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.


Your signature on this credit application authorizes our lender, OTR Fund I, LLC, to process an initial credit pull (now).


Should you complete the On the Road Lending program and be approved for a loan, you authorize annual credit pulls as long as you have an active loan with OTR Fund I, LLC.


On the Road Lending and OTR Fund I, LLC are related entities. On the Road Lending provides financial coaching to clients and ultimately makes recommendations for loans with OTR Fund I, LLC. OTR Fund I, LLC provides all the capital to make loans and will be the lien holder on your loan pending approval. Your signature authorizes that you understand these are related business entities and further authorizes that credit information can be shared across both organizations.

By accepting, you are digitally signing the Request for Consumer Credit.

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