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iLending Reviews


bestfor-icon Competitive APRs For Any Credit Score

Written by David Bufton

About iLending | Read More


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  • Mailing Address: 7257 S. Tucson Way, Englewood, CO 80112
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iLending Auto Loans Review

iLending offers a marketplace search that compares car loan refinancing options from over 50 banks and credit unions across the country. Part of the iLending process is that every application is assigned a loan consultant, so getting through the process is easier and quicker than with similar companies. iLending doesn’t offer auto loans itself, focusing only on bringing customers the best refinancing options in the market.

As iLending is a marketplace offering, there isn’t as much detail on loan refinancing terms as we’d like to see. However, this is simply because each of its lender partners has different conditions associated with refinancing. Nonetheless, having so many lender partners ensures that APRs offered are competitive.

iLending Auto Loans Highlight


Min Credit Score


APR. Fixed Rate


Loan Amount

12-96 months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

1 days

Funding Time

10 Years

Max Vehicle Age

Auto Loan Refinance

Min 5.49%

APR. Fixed Rate


Refinance Amount

Pros & Cons

  • con-icon Many refinancing options are available for different vehicles, including older ones
  • con-icon BBB A+ Rating
  • con-icon Strong consumer education material
  • con-icon Refinancing only
  • con-icon Origination fees apply

Auto Loan Types

  • Auto Refinance Loans

Vehicle Types

  • Car
  • Car loans refinance
  • Motorcycle
  • Truck
  • EV
  • Watercraft

iLending Auto Loans Terms & Requirements

Marketplaces often give little information about the terms, conditions, and requirements of the loan and loan refinancing products they provide. This is because the T&Cs can vary significantly from lender to lender. Thankfully, most terms and requirements are outlined by iLending on its website. Vehicle specifics are clearly laid out, with the following terms applying to vehicles eligible for refinancing with iLending:

  • Less than 150,000 miles on the clock
  • Less than 10 years old
  • Loan amount for between $5,000 and $200,000
  • Eligible vehicles include cars, vans, RVs, ATVs, motorcycles, boats, and trucks

The following terms are associated with all auto loan refinancing from iLending:

  • Loan terms are available for between 12 and 96 months
  • APRs vary by the direct lender but are generally between 4% and 22% depending on credit rating

In addition to these requirements, an applicant must have a minimum income of $21,600 and a minimum credit score of 510. There is no requirement to be a US citizen or permanent resident, but you mustn’t have been declared bankrupt in the past 24 months.

How to Apply

Due to the excellent online reviews, we decided to apply to refinance our car loan via iLending’s marketplace. To get things started, we headed to iLending’s homepage and selected “Apply Now”.

To start the process, we had to enter our personal information.

After providing this basic information, our ID was verified. We were then presented with a list of potential loan refinancing products, and we as informed that a Loan Consultant would be in touch with us shortly.

As promised, we were contacted by one of iLending’s Loan Consultants within the hour. The consultant was extremely helpful and couldn’t have made the process any easier for us. They laid out exactly what documents we needed and how to provide them. They also discussed why we were refinancing to see if iLending was the right fit for us.

After providing all of the relevant information, including income and vehicle details, we consented to a hard credit check, after which we were contacted to say that our application had been approved.

Our experience of getting our car loan refinanced with iLending was very positive. If you are in a similar situation, we would suggest that you consider seeing what iLending can offer you.

Qualification Requirements

Personal requirements are as follows:

  • A minimum credit score of at least 510
  • 18 years of age or older
  • Regular, verifiable income

Vehicle requirements include:

  • Vehicle must be 10 years of age or less
  • Vehicle must have less than 150,000 on the clock

Required Information

When you are applying to refinance your car loan with iLending, your Loan Consultant will ask you to provide the below information.

  • Proof of ID
  • Proof of address
  • Driver’s license
  • Insurance documents
  • Vehicle details (including VIN, mileage, and trim)
  • Reason for refinancing

Application Steps & Time Frames

Completing the initial form took us less than 2 minutes, and the follow-up call with our Loan Consultant took less than 20 minutes. After completing all of the paperwork, the loan refinancing was completed within five working days.

State Availability

- Available in all states

Written by David Bufton

After graduating from the University of Warwick with a degree in accounting, David went on to become a fully certified accountant. Since then, he has amassed years of experience working in and writing for various sectors, including finance, gaming, and telecommunications. Now, he uses his extensive experience and knowledge in business and finance to deliver top-quality content.



Does iLending offer car loans?

No, iLending is a marketplace lender offering solutions for auto loan refinancing only.

What vehicles can I refinance with iLending?

You can refinance various vehicles, including cars, trucks, SUVs, vans, RVs, ATVs, motorcycles, and even boats.

Do I need a good credit score to refinance my auto loan through iLending?

No, iLending will consider your application even if your credit score is classed as “poor”. The minimum credit score requirement is 510.

Customer Support

Online feedback to iLending’s customer service team is overwhelmingly positive, and we had high expectations when dealing with its customer care team. Our expectations were met when we called the customer helpline. We inquired about refinancing terms alongside vehicle eligibility, and our questions were answered helpfully and expertly by the customer service agent.

Helplines are available in English and Spanish, and online chat and online form options are available. There is also an in-depth FAQ page that covers the most common questions.

Privacy & Security

iLending has developed a great reputation as a company with the highest standard of privacy and security protocols. iLending has an A+ Better Business Bureau rating and a 4.7 rating on TrustPilot, which again is extremely high for a company involved in loan refinancing. In fact, iLending has even won The Torch Award issued by the Better Business Bureau for outstanding ethical business practices.

As such, it won’t be a surprise to know that there are no adverse reports regarding how iLending manages customer data. iLending has a Privacy Policy on its website, which clearly sets out how customer data is handled. It also details simple processes for how to unsubscribe and how to contact the company if you have questions regarding the Privacy Policy.

In Conclusion

Overall, if you are looking to refinance your car loan, iLending should be considered when searching online. Not only does iLending compare over 50 auto loan refinancing providers, but the company also has excellent customer service and competitive APRs for a range of credit scores.

Brand Disclaimer

APR (Annual Percentage Rate) is accurate as of the publication date and subject to change. Actual APR is subject to credit approval and selected term duration. APR advertised is based on several variables, such as your credit score, your vehicle being refinanced, your home address, and length of payment terms. The actual payment amount is based on APR and term duration and is subject to lender approval and credit terms.