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action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /home4/myicreat/public_html/openroad/wp-includes/functions.php on line 6114Additional terms, conditions and certain limitations may apply. APR is the Annual Percentage Rate. Rates and terms are stated, quoted and/or offered depending on the individual’s excellent and substantial credit and key loan characteristics, including but not limited to amount, term, vehicle characteristics, and state of residence. Your final credit/loan decision, interest rate and term as well as your ability to lower your current rate and payment will be based upon your credit profile, term of loan and age and current mileage of the vehicle you are refinancing. Your final payment will be based on the amount you borrow, interest rate and term of the loan. Advertised and/or posted rates and credit decision criteria are subject to change without notice.
Loans are provided by OpenRoad Lending, or a partner of OpenRoad Lending, and are all subject to credit approval. All credit types may not qualify in all states. “Rates as low as” shown are for excellent and substantial credit types. Yearly Payment reduction and cost savings claims are based on average payment reduction our customers experience over a year with their new loan (same or a longer term) compared to their prior yearly loan payments. Yearly payment reduction may result from a lower interest rate, a longer term or both. Your actual savings may be different.
Customer average savings of $100/month or more claim is based on an average payment savings calculation of customers who refinanced their current vehicle loan with OpenRoad lending from 6-1-2021 to 9-30-2021. Average customer APR savings is as of October 2021. Customer savings to date counter is based on total combined customer savings to date. Not everyone will qualify for cash back offers.
Customer satisfaction percentage rating is based on a February 2021 survey of customers who have taken out a loan with OpenRoad Lending and scored a somewhat satisfied to very satisfied rating on the survey. Customer testimonials are from actual customers who financed their loan with OpenRoad Lending. Customer names and state of residence have been changed to protect their privacy. Additional customer testimonials are provided via a third party providers such as Trustspot.
Skipping a payment assumes you will not have to make a payment in the current month on your existing loan, and your first payment on the new loan is scheduled at least 30 days from the day the new loan is funded. The actual number of days you will not have a scheduled monthly payment due will vary depending on the terms of your existing loan, your payments on the existing loan, and applicable state law. Actual payment is not skipped but deferred. You will still be responsible for making the number of payments listed on your Note and Security Agreement.
Interest will accrue on your existing loan until it is paid in full. Interest will accrue on your new loan beginning on the date the loan is funded. A representative example of payment terms are as follows: An $18,000 loan at 8.24% APR for 24 months is $816.06 per month, for 36 months is $566.05 per month, for 48 months is $441.46 per month, for 60 months is $367.05 per month and for 72 months is $317.71 per month. An $18,000 loan at 17.99% APR for 24 months is $898.55 per month, for 36 months is $650.65 per month, for 48 months is $528.66 per month, for 60 months is $456.98 per month and for 72 months is $410.44 per month.
Only personal use automobiles and light duty trucks that are up to but no more than seven model years old or newer, with a maximum mileage not exceeding 100,000 are eligible for financing. Maximum loan-to-value restrictions of 125% apply. Value is based upon the wholesale value of the vehicle set forth in the applicable National Automobile Dealers Associated Used Car Value Guide for the applicants state. Certain vehicles, including vehicles that are no longer being manufactured, such as but not limited to Hummer, Oldsmobile, Daewoo, motorcycles, RVs, etc. as well as business or work vehicles of any kind are not eligible for financing. Stated terms are subject to change and not available in all states.
OpenRoad Lending makes every effort to accurately portray all credit and underwriting policy within the Disclosures and Terms and Conditions of its website. It is possible, however, that those pages may not reflect the most current policy changes. Please consult OpenRoad Lending for any questions or discrepancies.
OpenRoad Lending was recognized as the 37th fastest growing company by Inc Magazine in February 2014. It has been awarded a Best place to Work in Dallas each year since 2017 and a National Winner since 2020.
OpenRoad Lending
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers).
Despite our very best efforts to allow anybody to adjust the website to their needs. There may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to