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iLending 2023 Auto Loan Refinancing Review Published 2023-01-01, 00:00:00

Written by Emma Woodward Written by Contributing writer

Emma Woodward is a former contributor for Bankrate and a freelance writer who is passionate about writing to help people understand personal finance topics. Emma has contributed to companies and publications such as Finch, Toast, JBD Clothiers and The Financial Diet.

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping their readers gain the confidence to control their finances by providing concise, well-researched, and clear information that break down complex subjects into digestible pieces.

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make smarter financial decisions by providing you with financial calculators and interactive tools as well as publishing original and objective content. We also allow you to conduct your own research and compare information for free to help you make informed financial decisions. Bankrate has agreements with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that appear on this website are provided by companies that pay us. This compensation could affect how and when products are listed on this site, including, for example, the sequence in which they be listed within the categories of listing, except where prohibited by law. This applies to our mortgage home equity, mortgage and other products for home loans. However, this compensation will have no impact on the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.

About our reviews Editorial disclosure The reviews are written by staff. Opinions expressed therein are solely the views of the reviewer. They have not been reviewed or acknowledged by any advertising company. The information that is included, including rates and fees that are included in the review are accurate as of the date when the review first appeared. Review the information at the top of this page as well as the lender’s website to find the most recent information.

At a glance 3.9 rating: 3.9 stars out of five

Bankrate Score

Availability Rating: 3.8 stars out of 5

Affordability Rating: 3.6 stars out of 5

Customer Experience Rating: 4.4 stars out of five

A rating of transparency: 4.5 stars out of 5

Compare rates on auto loan rates

About the iLending loan amount, not made public

Min. credit score Not disclosed

APR that starts at 2.14%

Funds available as early as one day

iLending features Personalized customer service and options to help you save money sound great but consider both the advantages and disadvantages of this refinancing service prior to signing up.

PROS Personal loan specialist

Low APR minimum

Simple and quick application procedure

CONS Only refinance vehicle loans

No in-person service

Vague qualification requirements

If you want to refinance your vehicle loan ILending could be the right location to begin. iLending offers refinancing options for the majority of vehicle loans with the goal of saving you money. This company has been around for more than 15 years and has earned received an A+ score from the Better Business Bureau.

With every customer, iLending provides a loan specialist who will help you navigate the process. They also assist customers with bad credit scores. Although iLending does not function as a lender it does collaborate with credit unions and banks across the country to identify the loan options that can help you save the most money.

Do you qualify? Anyone who is interested should ensure they meet a few basic prerequisites. There will be equity in the vehicle and a good debt-to-income (DTI) percentage to qualify to get accepted. You can calculate your DTI by using a . iLending doesn’t disclose a minimum credit score or annual income- which may vary among its lender partners — but generally speaking, you’ll need an average credit score of at least 670 to qualify for lenders’ best rates. What we like and what we do not like When you’re approved for refinancing, you’ll receive personalized assistance to help navigate the process of applying for loans and could be eligible for a surprisingly low interest. There isn’t in-person customer service which might not be suitable for you.

What we like about personal lending specialist: Each client is assigned a personal loan specialist who will assist them during the refinancing process. Low minimum APR: ILending’s advertised minimum APR of 2.14 percent is lower than the average of its competitors, though the rates you’ll be offered will vary depending on your creditworthiness, as well as other aspects. Simple and quick application process It’s possible to apply online through a streamlined procedure that will take only less than a minute. We don’t like that they only refinance of vehicle loans: iLending doesn’t offer loans for . There is no in-person service available: iLending aims to save its customers money by operating at lower overhead costs — meaning they don’t have physically-based establishments. Vague qualification requirements: iLending’s website does not provide many qualifications requirements, including minimum credit scores, and limits on minimum or maximum loan amounts. How to contact iLending Contact iLending customer service by phone at 866-683-5505, or via the chat feature via the iLending website, or via the contact form via email available on the website. Customer service representatives are available from Monday to Friday between 6 a.m. to 8 p.m. MT, Saturdays between 8 a.m. to 4 p.m. Monday through Sunday between 10 a.m. to 3 p.m. The time is MT. Live chat and phone assistance is available both in Spanish and English.

Auto loan types offered

The loan quick facts are Not disclosed Terms 12 -84 months APR from 2.14 0.14

You’ll only find auto loan refinancing via iLending. It is an intermediary service between existing borrowers and prospective new lenders. Current auto loan customers can make use of the iLending service if they desire low interest rates or . Being a partner with several lenders across the United States means rates and terms vary. Contact one of the company’s loan specialists to find out specific loan terms that could be for you. How do you apply for a loan with iLending You can apply to refinance your auto loan through iLending’s site. The application will request your basic information, including the Social Security number, your name as well as your address and contact information. The loan specialist will contact you to verify any necessary information. According to its website, the application process should only take about a couple of minutes.

Information required for application: Your name, date of birth as well as Social Security number. Your telephone numberand physical address and email address Employment and earnings information Year, make model, model and trim of the vehicle. Vehicle Identification number (VIN) The current mileage of the vehicle

ILending FAQs

Does iLending charge fees when applying for the auto loan refinancing? Absolutely not, iLending does not assess the application fee.

Is iLending a reputable business? Yes. The platform online has been around for more than 15 years, and is currently holding an A+ rating with the Better Business Bureau.

How Bankrate rates iLending

Overall score




Since iLending is a part of a large network of lenders and lenders, it is able to assist borrowers in any state. However, it does not provide the minimum and maximum loan amounts.



Rates start at 2.14 percent APR. There’s no limit on APR, however, and the fees aren’t specified.

Customer experience


Customer service is available 7 all week long, and accessible in both English and Spanish.



Prequalification is offered, however, just the minimal rate will be offered before you enter your information.

Methodology to rate lenders who specialize in auto refinance loans, Bankrate considers 16 various factors. The factors are based on from the loan amount, the APR disclosed and the acceptance standards. Each lender scores that is based on four different categories. The availability category includes loan amount, vehicle restrictions and the availability of each state. Affordability: The primary focus of this section covers expected APRs and acceptance conditions, discounts for autopay as well as the total amount of charges. Customer experience: This category includes accessibility to online services, availability of support and funding timeframe, as well as the option for automatic payment and app accessibility. Transparency: Here prequalification and disclosure of rates and charges are accounted for.

Editorial disclosure: All reviews are prepared by staff. The opinions expressed are only those of the reviewer , and are not reviewed or acknowledged by any advertiser. The information that is included, including rates and fees that are included in the review are accurate at the time of the review. Review the information in the upper right hand corner of the page, and the lender’s website for the most up-to-date details.

Written by

Emma Woodward

Contributing to the writing

Emma Woodward is a former contributor for Bankrate and freelance writer who is passionate about writing articles that help to simplify personal finance issues. Emma has contributed to various companies and publications such as Finch, Toast, JBD Clothiers and The Financial Diet.

The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers gain confidence to manage their finances through providing concise, well-studied, and well-documented data that chunks complex topics into manageable bites.

Auto loans editor



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