Advertiser Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.

iLending Auto Refinance Review

Justin Estes Justin Estes Last update:
Est. APR
1.99%-17.99%
Max loan
$200,000
Months term
Up to 84 Months

Overview

Those seeking to refinance their vehicle should consider iLending, an auto refinancing marketplace with over 15 years of experience and an A+ rating from the BBB. They offer many options for vehicle refinancing, making it easy for customers to find the best rate and terms for their needs. iLending specializes in vehicle refinancing, which can help you lower your payments and save money each month. Plus, they have a wide variety of financing options available so that you can find the right loan for your needs.

Car Loan Types
  • Car Refinancing
  • Motorcycle Refinancing
  • RV Refinancing
  • Boat Refinancing
  • ATV Refinancing
Loan Amount $5,000-$200,000
Repayment Terms Up to 84 Months
APR 1.99%-17.99%
Minimum Credit Score 540
Lender Type Marketplace

Good for

Since iLending offers online support and guidance, it can be a good fit for consumers who are comfortable with digital borrowing. Since they work with multiple lenders, you will most likely have a wider range of loans to choose from vs. what an individual lender will provide. Finally, the approval process is fairly quick, meaning you should have an answer soon after you complete the application.

Pros & Cons

Pros

  • Many refinancing options are available for different vehicles, including older ones
  • BBB A+ Rating
  • Strong consumer education material

Cons

  • Refinancing only
  • Limited human customer support
  • Origination fees can be steep

Application Process

Applying for an iLending auto loan is easy. Simply input your personal information, including your name and address, and one of iLending’s highly trained Loan Consultants will reach out to you to complete the necessary information. Once you decide to proceed with the application, you will provide additional financial information, including proof of income and banking details.

You can complete the entire application process in just a few minutes. You will not have a hard credit pull until you decide to move forward with your application. This is one of the many reasons that iLending many people work with iLending to refinance their vehicle. They make the process as easy and stress-free as possible.

Terms & Requirements

For anyone looking to refinance their auto loan, iLending is worth considering. They work with a wide range of credit scores and income levels and are available in all 50 states.

Loan Requirements

You’ll need a 540 or higher credit score, proof of income, and citizenship. Once you’ve met those requirements, iLending will work with you to get the best possible terms they can offer on your loan. Overall, they’re an excellent option for anyone looking to lower their monthly payments or get a better interest rate.

Loan Terms

iLending offers auto loans and refinancing for other motorized vehicles like motorcycles, RVs, and ATVs. Their loan terms go up to 84 months, and they have a wide range of loan amounts available, from $5,000 to $200,000. They have a very user-friendly online application process and offer competitive interest rates. One of the best things about iLending is that they provide pre-qualification for their loans, so you can shop around for the best rate without affecting your credit score.

Privacy & Security

Not only does iLending have excellent privacy and security through extensive GAP requirements, but they are also a marketplace that only works with the most reputable lenders.

iLending has an A+ rating with the Better Business Bureau, and many people have left reviews praising the company for its excellent customer service. One person said they could refinance their car at a lower rate, and the process was quick and easy. Another reviewer said they had a great experience working with iLending and found the staff very friendly and helpful. Overall, the community seems to find iLending to be a very trustworthy company with excellent customer service.

In addition, iLending has a wide variety of lenders to choose from, so you can compare different loans through an encrypted and secure online application that protects sensitive personal data.

Customer Support

You can reach out to iLending customer service by phone, chat, or email. Customer service agents are available Monday through Friday from 6 a.m. to 8 p.m. MT, Saturday from 8 a.m. to 4 p.m. MT, and Sunday from 10 a.m. to 3 p.m. MT. Live chat and phone assistance are available in both Spanish and English. You can get a quote online in minutes, and if you’re refinancing with iLending, you may be able to lower your monthly payments and save on interest.

Final Thoughts

iLending is a reputable company that offers auto refinancing to qualified borrowers. They have a wide variety of lenders to choose from, and their customer service is available in both English and Spanish. iLending also has an A+ rating with the Better Business Bureau and many positive consumer reviews. One drawback may be that they do not offer loans for people with a credit score below 540. Overall, If you’re looking to refinance your auto loan and investigate options for potentially lowering your payment or interest expense, then iLending is worth considering.

Address

7257 S. Tucson Way

Englewood, CO 80112 USA

Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.
Justin Estes Justin Estes
This review is based on the writer's personal opinion.