I got a loan from Road Loans about 3 months after filing bankruptcy. I pretty much couldn't get a loan anywhere else. That part was great and the approval was really fast and fairly easy, but they did tell me (as one of their selling points) that they would refinance me after 9 months of on-time payments. This was pretty important since my interest rate was 15%. I made my payments on time but then after about 7 months Road Loans sold my loan to another company. The other company (Drive Financial) is owned by the parent company that owns Road Loans. However, Drive Financial will NOT refinance you. They won't even discuss it. They have customer service by phone, wait times are long and they are not the nicest people to talk to. If I could avoid it (which I have since then) I would not use them again unless I was desperate.