iLending Reviews

  • 4,661,991 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.
+1 more
Author picture
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 $132 a month
  • Low credit scores accepted
  • Rates as low as 1.99%
  • 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 1.99% 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 $132 a month. This figure is based on the average monthly payments savings for all of the company’s customers between June 1, 2021, and Nov. 30, 2021.

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?

ILending doesn’t require a good credit score to qualify for refinancing. The company works with a number of banks and credit unions to help you qualify. Even if you don’t initially qualify, iLending helps 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.

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

Filter by Rating

  • (268)
  • (40)
  • (10)
  • (4)
  • (15)

Popular Mentions

    How do I know I can trust these reviews about iLending?
    • 4,661,991 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Recent
    • Recent
    • Oldest
    • Most helpful

    A link has directed you to this review. Its location on this page may change next time you visit.

    How do I know I can trust these reviews about iLending?
    • 4,661,991 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    StaffRates

    Reviewed Feb. 26, 2025

    Submitted a rate inquiry for an auto refinance on lending tree. I'm still way below current market rates so I stopped entertaining offers. These guys are so pushy, after I blocked them, they used a different number. I block that, they tried another. I have I believe 7 unique blocked numbers from this company. This is that narcissist you said you might be interested in seeing but change your mind and they stalk you until you get a restraining order. Stay away from this company!

    Thanks for your vote! Report
    iLending
    Response from iLending

    Hello Scott. We were able to get this fixed, for we submitted a Do Not Contact request on your behalf. For all perspective customers, if you no longer want contact simply let us know and we can ensure that you are no longer in our system to contact. Thank you!

    Not sure how to choose?

    Get buying tips about Car Loan Refinancing delivered to your inbox.

      By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

      Thanks for subscribing.

      You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

      Customer ServiceStaff

      Reviewed Jan. 17, 2025

      Has anyone paid off a loan through iLending Direct and cancelled the Gap Coverage and received a check from them that balanced? I received a Gap refund check from ilending Direct on 01/07/2025 I deposited that check and it balanced. A representative with ilending Direct left me a voicemail stating several customers including myself might experience the check been balanced, he claimed a mess up in their system. Their rookie attorney didn't know this employee left me a VM stating the above and tried to say their Bank, Vectra Bank stopped the checks for fraud prevention. I am looking for other potential consumers that experienced this or similar issues. You can reach me at **

      Thanks for your vote! Report
      Profile pic of the author.
      Loan Process

      Reviewed Oct. 31, 2024

      Terrible experience! I urge you not to waste your time, energy, or effort with this company. They entice you with an appealing initial estimate for refinancing, but after a long wait, you end up with a much worse offer than what you were trying to escape. I regret the time I lost! Please don’t make the same mistake.

      Thanks for your vote! Report
      iLending
      Response from iLending

      Hello LaShon! I apologize your experience has not been a good one. I wanted to let you know that while we can quote general information, we cannot know the full picture of the valuation of your vehicle, nor the individual profile of your credit application that we collect on our first call. However, if your personal situation has changed, please let us know and we can reevaluate you for a new loan!

      Customer ServiceStaffLoan ProcessRates

      Reviewed July 7, 2024

      Updated on 7/15/2024: I have dealt with iLending into refinance my car over 6 weeks ago. When I got the paperwork with what the terms of lower I realized that I was misled, misinformed and any question I asked was not listen to. I therefore call complains and got a call back from upper management realizing that yes they made the mistake. They admitted they made the mistake and were going to do right by me. 6 weeks ago. In the meantime my loan was getting taken away from the people they refinance with back to my original lender under the original terms of 60 months, not 72 like they try to get me to do. The loan still has not been reestablished.

      Now I'm working at over 5 weeks and interest is accruing everyday. I can't get any payments made. I can't get any answers. Nobody can find the loan and the minute I said I might get a lawyer. Now they're telling me they're going to have to wait for legal counsel to call me. I didn't say I got a lawyer said I might get a lawyer. Now. I really want one very unprofessional not answering my questions not getting back to me. Not giving me a heads up about what's going on.

      In the meantime my loan is somewhere in. I don't know lone hell. I don't have any access to my loan. What I owe how much interest is being accrued and nobody won't answer my questions. Do yourselves a favor. Do not deal with this company. They make a mistake they admit to it and then they backpedaled to try to cover it up or not. Answer your questions. I have everything documented and I am going to go after them and in the meantime I want them to pay a couple of my car payments for all the aggravation, frustration and couple sleepless nights I've had. They're very nice on the phone but boy once you get them off the phone forget about it. No response no nothing very unprofessional. Do NOT GO THERE.

      Original review: Good evening, I am updating a review I wrote on June 17th. I am still working with iLending to resolve the mistake that they admit that they made with the wrong information on a refinance car loan. I am on my third week of trying to resolve this nightmare that they made a mistake about and trying to come to a compromise to resolve it. In the interim I have missed a car payment, had to go back to my original lender. Don't know what money I owe. Nobody seems to have the loan under their own control yet and have recruit a good amount of interest in the process.

      I am hoping that ilending makes good on this, takes care of it, resolves it so I can move on and the interim still getting one star. Although the person that is handling the situation. His name is Grant has been quite awesome.. Unfortunately, he is not the person that makes his final decisions. I'm hoping that I can write a better review that Lisa did the right thing, but buyer refinancer beware. It's been a struggle and it is financially mostly consume me lately. It is actually ruining my days, not sleeping well at night just because I'm trying to do the right thing and I can't seem to get anybody to help me do that. Okay, I will update soon. Thank you. Stay tuned.

      Thanks for your vote! Report
      Verified purchase
      StaffLoan Process

      Reviewed May 20, 2023

      iLendingDIRECT told me about my situation and what I need to be done. They asked me whether the paper said a certain thing and it added up to what they said on the paper. I took the deal. The loan rep was a good person and was very helpful. He was knowledgeable and very kind. He gave me the best deal than what everybody else had going on. If my friends needed help and own their own cars, I would tell them that iLending is the best. I explained to them and they helped me out a lot. I recommended iLending to a friend of mine. I did the thing where they said you recommend somebody to them, they give you a gift card.

      Thanks for your vote! Report
      iLending
      Response from iLending

      We are happy to hear you had a great experience! Be sure to let your friends and family know if they’re interested in refinancing their auto loan, we can help them out! If they refinance with us, we will send you a gift card as a thank you.

      Verified purchase
      Customer ServiceStaffRates

      Reviewed May 12, 2023

      I filled out my application online, and then they called me back almost immediately. I liked the deals, and they gave me money. I was happy with the new rate. It was better than I was getting. The guy that I was working with was nice and seemed to be pretty helpful. He was real communicative. Everything went well.

      Thanks for your vote! Report
      iLending
      Response from iLending

      this is great news! Be sure to let your friends and family know if they’re interested in refinancing their auto loan, we can help them out! If they refinance with us, we will send you a gift card as a thank you.

      Verified purchase
      Customer ServiceLoan ProcessRates

      Reviewed May 10, 2023

      I got a letter in the mail saying I was preapproved for iLending. There was a thing online that I had to put in then they said they would be contacting me. They contacted me fairly quickly within minutes. The loan process was pretty quick. I wasn't able to sign off the paperwork in person so we used a robot thing. They were able to work around whatever I had going on. I was impressed by how helpful customer service was. Aside from a couple of bumps, the process was fairly easy. I got my loan and the interest down on it.

      Thanks for your vote! Report
      iLending
      Response from iLending

      We are happy to hear that you had a great experience! Be sure to let your friends and family know if they’re interested in refinancing their auto loan, we can help them out! If they refinance with us, we will send you a gift card as a thank you.

      Verified purchase
      Customer ServiceStaffLoan Process

      Reviewed May 10, 2023

      The process was pretty good. It was easy. The rep that was helping me was really good. He kept making a follow-up calls regarding what I needed to do. iLending also pays for some service, like oil changes, and I like that. There's also a GAP insurance. So all of that together, it's good for the price I'm paying.

      Thanks for your vote! Report
      iLending
      Response from iLending

      This is great news! Be sure to let your friends and family know if they’re interested in refinancing their auto loan, we can help them out! If they refinance with us, we will send you a gift card as a thank you.

      Verified purchase
      Customer ServiceStaffLoan ProcessRates

      Reviewed May 10, 2023

      iLending was excellent with taking care of my needs. Once I entered my information, within 10 minutes I got a call from one of them and we moved through the process seamlessly. It took a few days to run through all the necessary paperwork. Joe was excellent, very informative, knew what he was talking about. iLending had the best rates. I recommend them.

      Thanks for your vote! Report
      iLending
      Response from iLending

      Thank you for your kind review. Be sure to let your friends and family know if they’re interested in refinancing their auto loan, we can help them out! If they refinance with us, we will send you a gift card as a thank you.

      Verified purchase

      Reviewed May 7, 2023

      I believe this is the second time I have given you a review. I called iLending and they would do a soft pull on my credit score. I was having a problem with capital one, for over two years. In January, 2023 we went to court, they dropped the charges the day before (which they should have, because what they were doing to me was illegal). But they wouldn't take it off my credit report. The local attorney I hired, didn't finish her work, so legal shield did. Now I have my credit score back, and I owe ilending a big thank you! For helping me resolve this issue. I've been a member with legal shield for a long time, and you are one of my perks. Thank you, Cathy

      Thanks for your vote! Report
      iLending
      Response from iLending

      We are happy to hear you had a good experience! Be sure to let your friends and family know if they’re interested in refinancing their auto loan, we can help them out! If they refinance with us, we will send you a gift card as a thank you.

      Loading more reviews...

      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