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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.

Visit ilendingcarloanrefinancing.com
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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    How do I know I can trust these reviews about iLending?
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    Page 1 Reviews 0 - 35
    Profile pic of the author.
    StaffBillingRates

    Reviewed July 30, 2026

    I had a great experience!!. The process was simple, straightforward, and much faster than I expected. The team was professional, answered all of my questions, and kept me informed every step of the way. I was able to secure a better interest rate and lower monthly payments, which has made a real difference. I highly recommend their car refinance service to anyone looking to save money and make the process hassle-free.

    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.

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      Customer ServiceStaffBillingLoan ProcessRates

      Reviewed July 17, 2026

      I had a very nice experience, loan officers were outstanding in customer service. My loan % rate was reduced immensely and I knew car payment is below half of what I was paying. I am so excited about not having to pay an extreme amount on my car payment and it is real low. I would suggest giving them a chance let him see what you can do for me. I took a chance and boy am I so happy that I did it. I am a verified customer

      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 & SpeedStaffBillingLoan ProcessRatesFollow-Through

      Reviewed July 13, 2026

      I normally don’t write a review but this time I will, I was trying to refinance my truck from a loan with high interest and when I contacted iLending, Billy the Rep took all my info and within 2 days got things moving and saved me close to half off my payment and 10% less on interest. NOW this is what I mean. This company knows how to get it done. I’m late in my years and this is the first time a company did what they said they could do. I can’t THANK THEM ENOUGH.

      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!

      Profile pic of the author.
      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!

      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.

      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 you with a gift card.

      Profile pic of the author.
      Customer ServiceStaffHonesty & Transparency

      Reviewed Aug. 10, 2026

      Trevor ** is the absolute worst type of agent or whatever his actual title is. Lied from the beginning, bombarded my credit report with inquiries, promised me an offer before the weekend and never heard from him again and never responded to my follow up inquiries. I’ll judge the company off of my experience with the employee which is a representation of them and would love to leave negative stars if I could.

      Thanks for your vote!
      iLending
      Response from iLending

      We're very sorry that you had a negative experience. We strive to provide the best service possible. We would like to know more. Please fill out the form at the link below, and we will reach out to you as soon as we can: https://dashboard.reviewpush.com/40465764/i

      Resolution In Progress
      Profile pic of the author.
      Punctuality & SpeedRates

      Reviewed Aug. 8, 2026

      iLending made my refinance process so quick and convenient! They found me the best rate and I would highly recommend.

      Thanks for your vote!
      iLending
      Response from iLending

      We’re grateful for your review! If you know anyone interested in refinancing their auto loan, refer them to us, and you’ll both receive a gift card as a thank you.

      TechPriceStaffRates

      Reviewed Aug. 7, 2026

      Sue was the best person I've ever had to get me refinanced! She has an upbeat vibe and is a total asset to your company! She had all the answers to my concerns and explained and went over things that were in my contract! Got me a great company at a superb price! Very caring for the needs of your customers! Thank you for everything, Your Awesome! I will recommend your company to my friends and my customer!

      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.

      Reviewed Aug. 3, 2026

      Overall, a wonderful experience. Shout out to TY ** who walk me through the process and answered all my questions. He really went above and beyond to make me aware of all my options.

      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.

      Reviewed July 31, 2026

      I process was made simple and easy. They work closely with you to ensure you get the savings you need.

      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.
      Customer ServicePriceLoan Process

      Reviewed July 29, 2026

      iLending made it seem like I was refinancing my loan with them. The charged $549 and added to a loan than another company had. They never mentioned that in the half a dozen phone calls and multiple emails with them. Probably buried in the fine print somewhere. If I had known that I may or may have not not gone through with the loan. Just be upfront with fees.

      Thanks for your vote!
      iLending
      Response from iLending

      Hi there,

      We are truly saddened that your experience was not as great as we would have liked. We take bad reviews very seriously, and we would like to ensure that your experience is better next time. please fill out the form at the link attached and we will reach out to you.

      https://dashboard.reviewpush.com/40442816/i

      Profile pic of the author.
      CoverageRefunds & Payouts

      Reviewed July 21, 2026

      I was skeptical, but so far, I'm impressed! Devon even added a powertrain warranty on top of the deal and I'm saving $100. We aren't completely wrapped up as the GAP insurance & previous powertrain warranty still need refunded. But Devon said he'd walk me through the processes to get maximum savings from my refi.

      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!

      Profile pic of the author.
      StaffBillingLoan ProcessRates

      Reviewed July 20, 2026

      The iLending team worked with multiple lenders and helped me refinance my auto loan at a lower rate which would save me significant amount of money over the loan term. It was very easy to work with them as well. I recommend iLending to anyone looking to refinance their auto loan to a better rate or payment or terms. Good luck!

      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!

      Profile pic of the author.
      Customer ServicePunctuality & SpeedStaffRates

      Reviewed July 18, 2026

      It was a quick attention with clear data. Documentation, simple and response. Also very fast. I am very happy with the service provided by the advisor and in the end for the benefit I have to be able to get this credit to reduce the interest rate of the original credit.

      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.

      Profile pic of the author.
      Customer ServiceCoveragePunctuality & SpeedStaff

      Reviewed July 17, 2026

      Excellent service from the Don **. He went above and beyond to help me retrieve the documents my GAP insurance company needed. The process was handled quickly and professionally, and he made everything much easier. I really appreciate his prompt assistance and great customer service. Highly recommend!

      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.

      Staff

      Reviewed July 17, 2026

      This was excellent and so easy. Glad I made the decision to use iLending.

      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 July 14, 2026

      Aranza was incredibly helpful, she cared to find me a better rate on a timely basis, she promised and over delivered!!!

      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!

      Profile pic of the author.
      Staff

      Reviewed July 13, 2026

      Devon was such a huge help. Cannot say enough about how awesome an experience I had.

      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!

      Punctuality & SpeedStaffBilling

      Reviewed July 2, 2026

      Devon was exceptionally great at giving me all the information I needed. He was very patient with my busy schedule and was extremely helpful. The person I was directed to after that, I forgot her name was also very pleasant and welcoming as we went through our details. Highly would recommend from experience of talking with Devon and for you all helping me through this process and lowering my apr and payment.

      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.
      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!

      StaffLoan Process

      Reviewed June 2, 2026

      Thank you Lawrence ** for helping me with my car loan. My experience with iLending was very professional and I greatly appreciate everyone here who was able to help with my loan

      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 you with a gift card.

      Profile pic of the author.
      Staff

      Reviewed May 28, 2026

      Monika was amazing through the entire process. She helped my wife and I do 2 auto refinances, and it was great. Highly recommend anyone looking to refinance use this company.

      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 you with a gift card.

      Profile pic of the author.
      Staff

      Reviewed May 27, 2026

      Ilending is the best in the world. You guys make me happy refinance my car, paying less. Everyone should try them out, best round town, so amazing.

      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.

      Staff

      Reviewed May 23, 2026

      Rick was very helpful and answered all of my questions! I really appreciate how thorough he was and would definitely recommend him as well as iLending to any of my friends or family that wants to finance their vehicle!

      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.

      Rates

      Reviewed May 22, 2026

      They keep your goals in mind, and are very good at staying communicated the entire step of the way and Billy is always on track and answers all questions and concerns you may have. Lowered my rate from 24% to 8% major cut on interest that was bleeding me.

      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.

      Profile pic of the author.
      Customer ServicePunctuality & SpeedStaffLoan Process

      Reviewed May 21, 2026

      The process of refinancing my auto loan through iLending could not have gone smoother. The loan representative and customer service team responded to all my questions promptly. The operational process to complete all the transactions were well stream-lined. Thank you for your great service and assistance.

      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!

      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.

      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.

      Profile pic of the author.
      StaffBillingLoan Process

      Reviewed April 29, 2026

      Super helpful and professional. Helped me refinance my auto loan with a lower down payment. I appreciate their 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.

      Profile pic of the author.
      Customer ServicePunctuality & SpeedStaff

      Reviewed April 29, 2026

      Ryan with iLending was amazing and great to work with, walked me through the whole process and answered all my questions quickly, responded to all my calls and text.

      Thanks for your vote!
      iLending
      Response from iLending

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

      Profile pic of the author.
      Staff

      Reviewed April 27, 2026

      Monika was incredibly helpful and very easy to communicate with, always made herself available. She made the process incredibly easy and was able to answer every question I had, as I am not well-versed in refinancing. Incredibly knowledgeable. She was very patient and always kind and professional. I have already recommended her to a few of my friends.

      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.
      StaffBillingRates

      Reviewed April 27, 2026

      Everyone was so helpful on finding a better interest rate/payment for my vehicle.

      Thanks for your vote!
      iLending
      Response from iLending

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

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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:
      ilendingcarloanrefinancing.com