iLending Reviews

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Edited by: Jon Bortin

About iLending

ILending provides auto loan refinancing options. Despite the name, the company is not a direct lender. Instead, it works with banks and credit unions across the country to help customers find the lowest possible rates. The company promises that even if your credit score isn’t great, it will work to help you qualify for refinancing. A personal loan consultant guides you throughout the application process.

Pros
  • Advertised average savings of $148 a month
  • Low credit scores accepted
  • Rates as low as 4.99%
  • Terms up to 96 months
Cons
  • Not a direct lender
  • Limited cost information on website

What is iLending?

ILending shows you refinancing options from banks and credit unions for your car loan. According to the company, refinancing your auto loan with iLending can help you lower your monthly payment and interest rate. You’ll have a fixed rate and monthly payment for a set amount of time. Refinancing your loan through iLending can also lower the overall cost of your car and remove someone from your loan.

ILending helps customers with any type of credit. Even if you don’t initially qualify, the company promises to continue working with you to help you qualify. The company offers refinancing for loans associated with several other vehicle types, including motorcycles, boats and ATVs.

There is an iLending app available for both iPhone and Android devices. Customers can apply for refinancing, track their loan application status and communicate with their consultant.

How does iLending work?

To start the process, iLending provides customers with a personalized loan consultant. You and your personal consultant talk about your financial goals and discuss basic information about yourself and your vehicle.

From there, your consultant compares rates from lenders across the country. Once they have rate options for you, your consultant helps you decide which option best fits your needs. They then compile the information needed for your chosen option and help you complete your application. Finally, your application is submitted to your chosen lender and approved in as little as a week or less.

iLending fees

It’s entirely free to look into refinancing options through iLending. The company takes a fixed fee that’s worked into your new loan. Your annual percentage rate and monthly payment depend on several factors, including your credit score and the length of the loan. ILending advertises their lowest rate at 4.99% at the time of publishing.

There is no mention of any other possible fees on the website, such as origination fees, late fees or prepayment penalties. Be sure to discuss all the costs of a potential refinancing loan with your personal consultant before finalizing the loan, though.

iLending FAQ

How much can I save on my auto loan with iLending?

iLending customers save an average of $148 a month. This figure is based on the average monthly payments savings for all of the company’s customers between June 1, 2025, and December 31, 2025.

How quickly can I refinance with iLending?

It only takes a couple of days to refinance your car loan. It depends on how quickly you can get your paperwork submitted to iLending.

Do I need a good credit score to refinance with iLending?

No, iLending doesn't require a good credit score to refinance. The company lists a minimum credit score of 560, which falls in the very poor range on the Fair Isaac Corp. (FICO) credit score scale. iLending works with a number of banks and credit unions to help you qualify. Even if you don’t initially qualify, iLending may help you get qualified.

What types of vehicles can I refinance with iLending?

ILending refinances loans for many vehicle types, including:

  • Cars
  • Trucks
  • SUVs
  • Vans
  • ATVs
  • Motorcycles
  • Boats
Where is iLending headquartered?

ILending is headquartered in Englewood, Colorado.

Still have questions?

Is iLending legit?

ILending is a legitimate option if you’re looking to refinance your auto loan. The company doesn’t directly refinance your loan; instead, it matches you with a lender that best suits your financial needs. Whether or not your credit is good, iLending works with you to get you qualified for the best possible loan options.

iLending Reviews

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    Page 1 Reviews 0 - 5
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    Sales & MarketingStaffRates

    Reviewed April 23, 2026

    iLending is truly amazing! They slashed my rate in half, just as they advertised in the flyer they have sent me via mail. Take their offer, give it a chance and you will be very satisfied. I am already telling all of my friends and family. And Ryan was great to work with. Ask for him! I highly, highly recommend the. Thank you!! This couldn't have come at a better time in my life. Gratitude all around.

    Thanks for your vote!
    iLending
    Response from iLending

    This is great news! We're so happy to know that you had a good experience.

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      Customer ServicePunctuality & SpeedStaffBillingRatesHonesty & Transparency

      Reviewed March 31, 2026

      My old credit union which I had my car through, was nice, but it never felt like I was prioritized like how I do with these guys, it would be a 10-15 min wait just to talk to someone. But here I was always on the phone with the same person within a couple mins and he made sure to drop everything and make sure I was getting taken care of. And to me honestly I didn’t realize how important that was to me beforehand and now my payments and interest rate is lower, thanks to them and I very appreciate how easy and straightforward this process was.

      Thanks for your vote!
      iLending
      Response from iLending

      This is great news! We're so happy to know that you had a good experience.

      Profile pic of the author.
      Customer ServicePunctuality & SpeedStaffLoan ProcessRatesTransparency

      Reviewed March 26, 2026

      I recently refinanced my car through iLending, and overall, I had a very positive experience. The process was smooth, straightforward, and much less stressful than I expected. From start to finish, the team was professional, responsive, and helpful in explaining each step. They were able to secure me a better interest rate, which will save me money in the long run, and I truly appreciate how efficient everything felt.

      One of the highlights was the level of communication. I was kept informed throughout the process, and any questions I had were answered quickly and clearly. It made a big difference in feeling confident about my decision. That said, there are a few areas where iLending could improve. At times, there were slight delays in follow-up, and it would be helpful to have more proactive updates without needing to reach out. Additionally, a more detailed breakdown of the loan terms earlier in the process would make things even more transparent. Overall, I would definitely recommend iLending to others looking to refinance their vehicle. It was a great experience with just a little room for improvement.

      Thanks for your vote!
      iLending
      Response from iLending

      thanks for the positive feedback! We're always happy to hear good things from our customers.

      Profile pic of the author.
      StaffLoan Process

      Reviewed March 20, 2026

      I reached out to ILending and from the first moment I spoke to Huey ** he was truly amazing. He did everything he could to help me the first time I spoke to him. But unfortunately I needed to catch up on my previous car loan. And in less than a month I did just that. I reached out to him again and right away he recognized me and in less than 24 hours my new loan was approved. I’m so happy but I owe it all to Huey because he answered my prayers and got me to the right lender. May God bless him also for helping me and the many of us who might be struggling financially. I would definitely recommend him to my friends and family.

      Thanks for your vote!
      iLending
      Response from iLending

      Thanks for the great review It was a pleasure serving you as a customer.

      Customer ServiceBillingRatesHonesty & Transparency

      Reviewed March 3, 2026

      I was drowning on my car payment because of the high interest rate. Never miss a payment and I was overwhelmed so I decided to shop around for a refinance and I got a called from Monika, from the day she called she was truthful about what she told. It felt like she was a part of my family. She gave me a 101 percent assurance that she was going to make sure I got the best interest rate and she really did, as an ex military I salute you ma’am for your honesty service and I will recommend you to a lot of people in my community. Thank you, Hartley **

      Thanks for your vote!
      iLending
      Response from iLending

      thank you for your review!

      StaffBilling

      Reviewed May 12, 2026

      I got an amazing deal which brought my APR from around a 22% APR down to an 8.9% APR. (Didn’t have a down payment for the first people :/). I was helped by a Mr. ** who was incredibly patient and helpful during the entire process.

      Thanks for your vote!
      iLending
      Response from iLending

      Thank you for your review! Know anyone refinancing? Refer them to us, and you’ll each receive a gift card as a thank you.

      Punctuality & SpeedStaffLoan Process

      Reviewed May 8, 2026

      I gave 5 Stars as Ryan was very helpful. He made the process of a loan move quickly and very easy. I highly recommend iLending. You won’t be disappointed with this Company. Outstanding service.

      Thanks for your vote!
      iLending
      Response from iLending

      We are glad you enjoyed your experience at iLending. Please visit us again soon!

      Profile pic of the author.
      Staff

      Reviewed May 7, 2026

      Huey was great! He was very patient and took the time to go over everything and explain refinance process with me. He was attentive and made the whole process easy.

      Thanks for your vote!
      iLending
      Response from iLending

      Your feedback means a lot—thank you!

      Customer ServicePunctuality & SpeedStaff

      Reviewed May 1, 2026

      I was a bit skeptical applying for this refi, but I needed help in the worse way. Monika called me, got my info, was very nice and then few hours later she called and told me I was approved. She went above and beyond with her customer service, I have never had such great service from a person ever. Thank you Monika.. For Everything you have done for me. You and iLending have saved me.. 🥰🥰

      Thanks for your vote!
      iLending
      Response from iLending

      We are glad you enjoyed your experience at iLending. Please visit us again soon!

      Profile pic of the author.
      Staff

      Reviewed April 30, 2026

      Monika is a wonderful person. She helped me with all the process. She answered all my questions. She was so helpful to me. Excellent service.

      Thanks for your vote!
      iLending
      Response from iLending

      This is great news! We're so happy to know that you had a good experience.

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      iLending Company Information

      Company Name:
      iLending
      Formerly Named:
      iLendingDIRECT
      Address:
      7257 S. Tucson Way
      City:
      Englewood
      State/Province:
      CO
      Postal Code:
      80112
      Country:
      United States
      Website:
      www.ilendingdirect.com