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OTR Fund I LLC
OTR Fund I LLC
Amount
Varies
Deadline
Rolling
Odds
Not published
Effort
5 min
Can you get this?
✓For individuals with bad or no credit
✓Available in five specific states only
✓Lending based on character, not credit score
✓Refinancing available for existing car loans
Your real odds
No public approval rate exists, but this is a CDFI lender that has served customers since 2013 with an intentionally accessible bar for underserved borrowers.
Underwriting is character-based rather than purely credit-score-driven, which matters if traditional lenders have already turned you down, and repayment is required because this is a loan.
What it takes
Confirm you are in an eligible state5 min
Submit application online or by phone30 to 60 min
Work with a coach on budgeting and vehicle selectionA few days
Worth knowing
This funds personal vehicle purchases, not business operations, so if you found it in a business-funding database, it belongs in a different category of your research entirely.
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$19/month · cancel anytime