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 5.49%
  • 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 5.49% 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, 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

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    Page 1 Reviews 0 - 5
    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Nov. 6, 2025

    iLending has always done right by me. Their agents are easy to work with. They make sure I have everything I need in order to make the right decisions and they don't waste any time in helping me to do so. I appreciate their efficiency, and Devon did a really great job helping me with my loan this time. He was highly communicative and efficient, which I really appreciate since I work a day job and having to bounce back and forth between work and auto refinancing takes me away from important tasks. Devon helped me set up all of my appointments within the busy parameters of my schedule, he answered all of my questions about the paperwork, and he just generally knocked it out of the park customer service-wise. I would highly recommend iLending, and in particular Devon for anyone looking to refinance their auto loan.

    Thanks for your vote!
    iLending
    Response from iLending

    Thank you for your review! Spread the word to friends and family about our refinancing services, and we'll send gift cards to both of you as a thank you!

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      StaffBillingRatesTransparency

      Reviewed Oct. 3, 2025

      My refinancing experience was excellent from start to finish. From the very first contact, I received clear, professional, and patient guidance. Every step of the process was explained in detail, which gave me a lot of confidence and peace of mind. What I appreciated the most was the transparency. I always had complete information about the rates, terms, and requirements, so I felt secure in the decision I was making. The process itself was smooth and efficient—I was able to submit my documents easily, and I was kept updated at every stage.

      Thanks to this refinancing, I now have a more comfortable monthly payment and much better financial terms, which has given me great relief and stability. Overall, it was an extremely positive experience. I highly recommend this service to anyone looking to improve their payments or adjust their finances, as the entire process was simple, trustworthy, and truly beneficial.

      Thanks for your vote!
      iLending
      Response from iLending

      Thanks for your review! If friends or family need auto loan refinancing, send them our way, and we’ll thank both of you with a gift card.

      Customer ServicePunctuality & SpeedStaffRates

      Reviewed Sept. 2, 2025

      I had the pleasure of having Andrea the iLending team walk me through the refinance of my car. The interest rate was significantly lower than my current (at that time). The entire process was handled quickly and professionally. Andrea responded to my calls and emails in a timely manner and helped me solve a few hiccups fairly easily (My car was purchased and registered in a different state initially). From the first call to the last, Andrea was concise and professional in obtaining the information needed to process this refi.

      I can't thank Andrea and the iLending team enough! And extra kudos to Andrea for her upbeat and friendly communication. Definitely took the anxiety out of this financial decision for me. Thank you Andrea and iLending. If I ever need a auto refi in the future, I won't hesitate to reach! -Sincerely David L. (Denver)

      Thanks for your vote!
      iLending
      Response from iLending

      We appreciate your feedback—thank you! If someone you know needs auto loan refinancing, refer them our way, and you’ll both get a gift card as a token of our gratitude.

      Customer ServiceTechPricePunctuality & SpeedBillingLoan ProcessRates

      Reviewed Aug. 17, 2025

      I'd been happy with my auto loan until it got sold to a new lender with poor customer service. Ultimately I achieved -- mostly -- what I intended -- an auto refinance with a new lender that hopefully has better customer service, even though I've added $400 (at high interest, on a credit card!) to the effective cost of my car (which the lower interest rate should compensate me for in the long run?). As a senior, the process felt overwhelming. Being asked to absorb a thirty-page contract without time to read it through felt dangerous. This is the last car I'll own and probably the last time I'll engage in a contract for anything so expensive as I can't think fast enough to keep up with the process. If iLending had a partnership with AARP, I'd feel more secure.

      Thanks for your vote!
      iLending
      Response from iLending

      Your feedback means a lot—thank you! Let your network know we can help with auto loan refinancing, and both of you will receive a gift card as our thanks.

      Customer ServicePunctuality & SpeedStaffBilling

      Reviewed Aug. 12, 2025

      I learned about iLending through an offer I received in my mailbox, and I decided to call. Gunnar ** made the refinancing process stress-free, and the communication was excellent. He went above and beyond. He was very accessible, and his response was swift. Every question I asked was addressed in a timely and appropriate manner. He walked me through the process, making it worry-free.

      Not only was my monthly payment lowered by over $125, but other benefits and services were added. I also enjoyed a month's relief before I started making payments. Initially, I had doubts because I had tried other refinancing companies and I was denied. iLending made refinancing easy, fast, and unbelievably secure from the comfort of your home. Thanks to Gunnar and iLending. I will recommend it to family and friends.

      Thanks for your vote!
      iLending
      Response from iLending

      Thank you for your review! Spread the word to friends and family about our refinancing services, and we'll send gift cards to both of you as a thank you!

      Customer ServiceStaffLoan Process

      Reviewed Jan. 21, 2026

      I had a truly smooth and positive experience refinancing my auto loan through iLending. From start to finish, the process was handled professionally and with great communication. I appreciated how easy and stress‑free the entire process was. The team was responsive, helpful, and made sure I felt confident throughout. If you’re considering refinancing your auto loan, I highly recommend iLending for their excellent service and customer care.

      Thanks for your vote!
      iLending
      Response from iLending

      Thanks for your review! If friends or family need auto loan refinancing, send them our way

      Profile pic of the author.
      Staff

      Reviewed Jan. 20, 2026

      I’m paying way over the budget. And refinanced thru iLending and their process doesn’t take a lot of time to do. Juan who assisted me is very helpful with all my questions and concerns. 100% recommend!

      Thanks for your vote!
      iLending
      Response from iLending

      Thanks for your review! If friends or family need auto loan refinancing, send them our way

      Customer ServicePunctuality & SpeedStaff

      Reviewed Jan. 16, 2026

      Andrea is a very professional broker who helped me refinance my car very quickly. She is very patient and nice. I'm very grateful for their prompt and positive responses to the emails. One of the important things I helped accomplish.

      Thanks for your vote!
      iLending
      Response from iLending

      Thanks for your review — we appreciate your feedback! Let friends and family know we can assist them with auto loan refinancing.

      Sales & MarketingTransparencyHonesty & Transparency

      Reviewed Jan. 14, 2026

      Jordan ** and Teronica did an absolutely GREAT job with my auto refinance! From the very start Jordan worked hard and was always completely honest! It was a joy to work with him! A competitor at RefiJet tried a bait-and-switch tactic, so I was very relieved to find that Jordan was always true to his words. Teronica kept working and always had us up to date, she is wonderful! I could not thank you enough at iLending!

      Thanks for your vote!
      iLending
      Response from iLending

      We appreciate your feedback—thank you! If someone you know needs auto loan refinancing, refer them our way, and you’ll both get a gift card as a token of our gratitude.

      Profile pic of the author.
      Staff

      Reviewed Jan. 13, 2026

      iLending was helpful to me to get my car refinanced. I have a very communicative team that let me know each step of the way. I will say at times it felt like the process was taking a while and that could be a little frustrating but overall it was a pleasant experience.

      Thanks for your vote!
      iLending
      Response from iLending

      Thanks for your review — we appreciate your feedback! Let friends and family know we can assist them with auto loan refinancing, and you’ll both get a gift card as our thanks!

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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