Earn 4% APY* with an InRoads Smart Start Savings account.
Love the Ride (and No Payments for 90 Days)
With rates as low as 5.49% 1 APR.
Buckle Up and Save on Your Next Auto Loan
Your Car Goals are Doable at InRoads
New, used, or a refinance - we've got you covered.
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Rates as low as 5.49% and no payments for 90 days.
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Flexible terms for lower monthly payments.
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Fast loan processing.
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Rate reduction with automatic payments.
When you’re behind the wheel, it’s all about freedom, confidence, and control. You deserve that feeling every single day. Whether it’s a new or used vehicle, or you’re refinancing one you already own, today’s low rates and terms of up to 84 months are built to work for you.
Fill ‘er Up On Us - Get a $250 Gas Card
For a limited time, when you open an auto loan with InRoads, we'll give you a $250 gas card!
Get Pre-Qualified (Before You Go Shopping)
We’ll help you do all the math, including your total loan amount and monthly payments.
Take a Month Off with Skip Payment2
Skip Payment allows you to skip your auto loan payment for a month up to twice a year.
Add Financial Security With Debt Protection
Protect your family’s financial situation against a variety of covered life events.
Ready to Get Pre-Qualified?
Smart Start Savings Just Makes Sense
Earn 4% APY* with Smart Start Savings when you join InRoads.
1Valid from 6/1/26 - 8/31/26. Actual rate and term are based on credit profile and collateral. Additional conditions may apply. Annual Percentage Rate (APR) of 5.49% includes a 0.25% discount for automatic payment from an InRoads checking account. Interest will accrue during 90-day deferment period. First payment must be made on the due date disclosed in the loan agreement. Offer valid on new, used and refinanced auto loans. Refinanced loans must be from another financial institution. Subject to credit approval. $250 gas gift card available with eligible new auto loan or refinance funded during the promotional period. Gift card will be provided after loan funding and subject to verification; limit one per loan. InRoads reserves the right to change or end this promotion at any time.
2When skipping a payment, interest continues to accrue. Skipping a payment will result in a longer time to pay back the loan. Not all loans are eligible for skip payments.
Payment Example: For a $30,000 auto loan with a term of 84 months at 5.49% APR and no payment for 90 days, the monthly payment would be $434.84.