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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    Customer ServiceStaff

    Reviewed June 18, 2026

    Keenan made the entire refinance process so much easier for me. I had been extremely stressed going into it, but he did everything in his power to help and make sure I understood everything along the way. He was very knowledgeable, patient, and answered every single question I had without ever making me feel rushed or overwhelmed. His communication and professionalism truly stood out, and I’m very grateful for all of his help. I highly recommend working with Keenan if you’re looking to refinance or need someone who genuinely cares about helping you.

    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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      Customer ServicePricePunctuality & SpeedStaffLoan ProcessHonesty & Transparency

      Reviewed May 28, 2026

      Monika ** was absolutely wonderful from our first call to our last text message. Her attention to detail in explaining the loan approval process was exceptional! I felt very much at ease considering this was an initial online inquiry but her honesty and sincerity in wanting to help was greatly appreciated and not often found today in the quick online AI world we live in. She is truly an exemplary employee and should be valued and rewarded for her worth as the first personal introduction to iLending. It is hard to find this kind of genuineness in our society today.

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      iLending
      Response from iLending

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

      Profile pic of the author.
      Punctuality & SpeedStaffLoan ProcessTimeliness

      Reviewed May 19, 2026

      I was looking to refi my car to remove my hubby's name. Monika was able to help me same day with the application. She also kept contact throughout my decision process. Even though, my husband is in Mexico she was able to get his signature and my loan funded fast and easy. She's always there when I had questions especially in the evening hours since I work until 5 pm. Would definitely recommend Monika for your refi needs.

      Thanks for your vote!
      iLending
      Response from iLending

      Thanks for the review! If someone you know needs auto loan refinancing, refer them, and we’ll send gift cards to both of you as a 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.
      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.

      Profile pic of the author.
      Customer ServiceRefunds & PayoutsStaff

      Reviewed June 25, 2026

      This is the first time I’ve ever refinanced a car and I have to say it was so easy with the help of ILending and my guy Devon H. I highly recommend ILending and definitely ask for Devon H. You will not regret it. They saved me a lot of money and I’m getting some money back so it was a definite win win situation for me. And the customer service is amazing.

      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.
      Customer ServicePunctuality & SpeedStaffTransparency

      Reviewed June 25, 2026

      Kyle was a huge help and very informative on my refinance process, I am so happy I chose ILending because they got me approved with an amazing credit union. He took time to keep me updated as the steps were moving along and also got back to me quickly every time I texted or emailed him with any questions. I definitely recommend ILending 100%

      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.

      Punctuality & SpeedRefunds & Payouts

      Reviewed June 25, 2026

      Monica was great. Very punctual no he clauses. Straightforward with what we were wanting. I’m very satisfied and pleased with the outcome. I would recommend to all friends and family and I will definitely use this company again.

      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.

      PriceStaffBilling

      Reviewed June 25, 2026

      Monica was excited with working with us. Monica was able to help us get our payments down and affordable

      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.

      Profile pic of the author.
      StaffRates

      Reviewed June 21, 2026

      Great experience from start to finish and got me a rate half others tried to con me with. My agent Whitney was there step by step and was helpful through the whole process.

      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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      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