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ATLANTA — eCredable, an alternative credit reporting agency
that can help consumers prove their creditworthiness to potential creditors, formed
a relationship earlier this week with RoadLoans.com, which is owned and operated
by Santander Consumer USA.

Officials explained the goal of their partnership is to aid
in the credit decisioning associated with consumers who do not have traditional
credit histories since RoadLoans.com is an online lender that specializes in
serving customers with less-than-perfect credit.

RoadLoans.com takes online applications from millions of
consumers annually, allowing them to get pre-approved for a loan before they
ever talk to a dealer.

"We see a lot of consumers apply for a loan without a credit
history," said Lana Johnson, senior vice president of loan originations at
RoadLoans.com. "Now, we can offer this consumer a second chance to get approved
by earning an `A' or `B' credit rating from eCredable so they can get a quality
vehicle that fits within their budget."

Steve Ely, chief executive officer of eCredable explained
how the company's system operates.

"eCredable is uniquely positioned to help consumers prove
they are creditworthy," Ely began. "Almost 36 percent of the U.S. adult
population doesn't have a traditional credit history that can be used in an
automated credit scoring system, which means they struggle to qualify for
affordable auto financing. We help these people prove they are creditworthy by
verifying the bill payments they routinely make on time and as promised.

"Our AMP Credit Report contains their history of payments.
Our AMP Credit Rating helps them, and the creditors know where they stand on a
scale of A-F," he added.

Ely went on to highlight how much consumers could save if they
were able to obtain a loan through RoadLoans.com as opposed to working with a
buy-here, pay-here dealership.

For example in Georgia, Ely said BHPH dealers can charge 28
percent interest on a loan, but RoadLoans.com can offer an 11.99 percent
interest rate for someone with an AMP Credit Rating of "A," resulting in a
savings of $5,173 on a $15,000 loan financed over five years.

Furthermore, RoadLoans.com reports the consumer's payment
activity to the national credit bureaus, which starts the consumer on a path to
build a traditional credit history and access to mainstream financial services.

For more information, visit www.eCredable.com/RoadLoans.