What vehicles does OpenRoad Lending refinance?

OpenRoad refinances passenger vehicles up to eight model years old with 140,000 miles or less. Commercial vehicles, motorcycles, RVs, trucks larger than 3/4 ton, discontinued models, and Oldsmobile, Daewoo, Smart Cars, and Isuzu vehicles are not eligible.

What loan-payoff amounts does OpenRoad accept?

Your current auto-loan payoff must be between $7,500 and $100,000.

Is there an income requirement?

Yes. You must have a minimum gross monthly income of at least $1,500. Income from rideshare or taxi services such as Uber does not qualify, and self-employed applicants are not eligible.

Does OpenRoad publish a credit-score floor or APR range?

No. OpenRoad does not publish a minimum FICO score or an APR range on its public site — those are confirmed at offer time after you apply.

All lenders

Best for: Borrowers with a mainstream passenger vehicle and a $7.5K–$100K loan payoff

OpenRoad Lending

OpenRoad Lending — direct auto-refinance lender with clearly published vehicle and loan-payoff eligibility rules.

Min credit

Not disclosed

APR

Not published

Max vehicle age

8 yrs

Max mileage

140k mi

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means OpenRoad Lending does not publish this on their public site. "No restriction" means OpenRoad Lending explicitly states no limit.

Overview

OpenRoad Lending is a direct auto-refinance lender headquartered in Texas. Its FAQ publishes specific eligibility rules: a $1,500 minimum gross monthly income, a current loan payoff between $7,500 and $100,000, a vehicle no more than eight model years old, and 140,000 miles or less.…

What’s great

Clear, published vehicle eligibility rules — up to 8 model years old and 140,000 miles
Loan-payoff window of $7,500 to $100,000 covers most mainstream auto loans
Direct lender — no marketplace handoff once you apply

What to know

Does not publish a FICO floor, APR range, term length, or eligible-state list on the public site
Self-employed applicants are not eligible
Excludes a specific list of vehicle makes (Oldsmobile, Daewoo, Smart, Isuzu) and any discontinued model
Excludes commercial vehicles, motorcycles, RVs, and trucks larger than 3/4 ton

Eligibility

Minimum credit score	Not disclosed
APR range	Not disclosed
Maximum vehicle age	8 years
Maximum mileage	140,000 miles
Loan amount range	$7,500 – $100,000
Term length	Not disclosed
States served	Not disclosed

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from OpenRoad Lending's own published materials. Rates, eligibility, and terms can change — verify directly with OpenRoad Lending before applying.

[1]OpenRoad Lending FAQ — basic refi requirements: minimum gross monthly income $1,500; current auto-loan payoff between $7,500 and $100,000; vehicle up to eight model years old; 140,000 miles or less; excludes commercial vehicles, motorcycles, RVs, Oldsmobile/Daewoo/Smart/Isuzu, trucks larger than 3/4 ton, discontinued models, and self-employed applicants — OpenRoad Lending
https://www.openroadlending.com/faq/
Last checked: September 2026
[2]OpenRoad Lending home page — direct auto-refinance lender; advertises an average savings of $105/month for refinancing customers; no FICO floor, APR range, term length, or state availability published on the public site — OpenRoad Lending
https://www.openroadlending.com/
Last checked: September 2026