Sélectionner une page

Open navigation Main Menu Mortgages

Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources

Looking for a financial advisor? Try our three minute test and then match up with an advisor today.

Main Menu Banking

Compare Accounts Use calculators Get advice Bank reviews

Looking for a financial advisor? Try our three minute test and connect with an advisor today.

Main Menu Credit cards

Compare according to category Compare using credit Compare with issuers Get advice

Looking for the ideal credit card? Find it with CardMatch(tm)

Main Menu Loans

Personal Auto Loans, Student Loans, Loans Calculators for loans

Find an individual loan in just 2 minutes or less. Answer a few questions to be offered loans, with no impact to your score on credit.

Main Menu for Investing

Top of the Brokerage and Rob-Advisors. Learn the basics Additional sources

Looking for a financial advisor? Try our three minute test and then match up with an advisor today.

Main Menu Home equity

Find the most competitive rates Lender reviews. Calculators. base

Looking for a financial advisor? Take our 3 minute quiz and connect with an advisor today.

Main Menu Real estate

Selling a home Buying homes Finding the right agent sources

Looking for a financial advisor? Take our 3 minute quiz and match with an advisor today.

Main Menu Insurance

Car Insurance Homeowners insurance Other insurance Company reviews

Looking for a financial advisor? Take our 3 minute quiz and connect with an advisor today.

Main Menu Retirement

Accounts and retirement plans. Get the basics of retirement calculators Other sources

Looking for a financial advisor? Take our 3 minute quiz and connect the advisor you want today.

Open search Close search



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

The story was written by Emma Woodward Written by Contributing writer

Emma Woodward is a former contributor for Bankrate and freelance writer who is passionate about writing to demystify personal finance topics. She has written for businesses and publications like Finch, Toast, JBD Clothiers and The Financial Diet.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since the end of 2021. They are dedicated to helping their readers gain the confidence to take control of 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 mission is to help you make better financial decisions by providing you with financial calculators and interactive tools that provide objective and original content, by enabling users to conduct research and compare information at no cost – so that you can make financial decisions with confidence. Bankrate has partnerships with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site come from companies that compensate us. This compensation could affect how and where products appear on this website, for example such things as the order in which they be listed within the categories of listing and other categories, unless prohibited by law. Our mortgage home equity, mortgage and other products for home loans. But this compensation does have no impact on the content we publish or the reviews you read on this site. We do not include the entire universe of businesses or financial deals that may be open to you.

About our reviews . Editorial disclosure The reviews are written by staff. The opinions expressed in them are only the opinions of the reviewer and have not been evaluated 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 when the review first appeared. Check the data at the top of this page as well as the lender’s website for the most current information.

A look 3.9 Rating: 3.9 stars out of 5

Bankrate Score

Rating of Availability: 3.8 stars out of 5

Cost of Affordability: 3.6 stars out of five

Customers Experience Score: 4.4 stars out of five

Transparency Rating: 4.5 stars out of 5

Check rates on auto loan rates

The amount of the loan from iLending is not made public

Min. credit score Not revealed

APR from Starting at 2.14%

Funds available as early as one day

iLending features Personalized customer service and options to help you save money sound appealing, but you should consider both the advantages and disadvantages of this refinancing option before you sign up.

PROS Personal lending specialist

Low minimum APR

Simple and quick application procedure

CONS Only refinance vehicle loans

No in-person service

Vague qualification requirements

If you are looking to refinance your vehicle loan ILending could be the right starting point. iLending offers refinancing options for the majority of vehicles loans with the aim of saving you money. The company has been in operation for more than 15 years and has earned an A+ rating with the Better Business Bureau.

With every customer, iLending provides a loan specialist to assist you with the situation. They also assist those with bad credit scores. While iLending does not function as a lender but they do partner with banks and credit unions across the country to identify the loan solutions that will help you save the most money.

Do you qualify? Potential applicants must ensure they meet the basic requirements. There will be equity in the car and a satisfactory ratio of debt to income (DTI) ratio in order to get approved. You can figure out your DTI using the . iLending doesn’t disclose the minimum credit score or income per yearwhich can vary between its lender partners. However, generally, you need an average credit score of at 670 or more to be eligible for lenders’ best rates. What we love and what we don’t like to refinance, you’ll receive personal assistance in understanding the loan process. You could also get a very low interest. There isn’t in-person customer service, which may not be the best option for you.

What we like about personal lender: Every customer is assigned a personalized lending specialist to work with during the refinancing process. Minimum APRs that are low iLending’s Minimum APR at 2.14% is less than the average of its competitors but the rate you’re offered will vary depending on your creditworthiness as well as other aspects. Simple and quick application process: You can apply online through a streamlined procedure that will take only less than a minute. We dislike that they only refinance vehicle loans: iLending doesn’t offer loans for . In-person services are not available: iLending aims to save its customers money by operating at lower overhead costs — meaning they don’t have any physically-based locations. The iLending website doesn’t disclose many qualification requirements, including the minimum credit score, as well as the limits on minimum or maximum loan amounts. Contact iLending Reach iLending customer service via phone at 866-683-5505, via the chat feature available on iLending website, or via the contact form for email available on the website. Customer service representatives are available from Monday to Friday between 6 a.m. until 8 p.m. MT, Saturday from 8 a.m. until 4 p.m. MT and Sunday between 10 a.m. until 3 p.m. MST. Live chat and phone support can be accessed in Spanish and English.

Auto loan types offered

Quick facts about loans Not disclosed Terms APR for 12-84 months Starting at 2.14%

It is the only place you can find auto loan refinancing with iLending. It’s an unofficial service that connects current borrowers and potential new lenders. Current auto loan customers can avail the services of iLending if they wish to get low interest rates or . Working with many different lenders across the United States means rates and terms vary. Contact any of their loan experts to learn about specific loan terms that could be available to you. How do you apply for a loan with iLending You are able to apply for a refinance of your auto loan directly through the iLending website. The application will require the basic information, such as your Social Security number, your name address, phone number and email. An loan specialist will then contact you to verify any necessary information. According to the website, the procedure should take only a few minutes.

Required application information Your name, date of birth and Social Security number. Also, your phone numberand physical address and email address. Employment and income 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 auto loan refinancing? It’s not true, iLending does not assess an application fee.

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

How does Bankrate rate iLending?

Overall score




Because iLending works with a wide range of lenders It can assist those in need across the country. But it doesn’t provide its minimum or maximum loan amounts.



Rates start low at 2.14 per cent APR. There’s no limit on APR however, and charges aren’t stated.

Customer experience


Customer service is available 7 days a week, and available in both English as well as Spanish.



Prequalification is possible, however just the minimal rate will be offered prior to submitting your information.

Methodology To rate lenders that specialize in auto refinance loans, Bankrate considers 16 different factors. These variables range in relation to loan amount, disclosed APR and acceptance criteria. Each lender has a score that is that is based on four different categories. Availability: This accounts for loan amounts, vehicle restrictions and the availability of each state. Affordability: Primarily, this section covers expected APRs and acceptance criteria, discounts for autopay and the number of fees. Experience with customers: This category includes accessibility to online services, availability of support along with funding timelines, options to pay by automatic method and app accessibility. Transparency: Here prequalification and disclosure of rates and fees are taken into account.

Disclaimer: All reviews are prepared by Bankrate.com staff. The opinions expressed in the review are only those of the reviewer , and have not been evaluated or approved by any advertiser. The information, including rates and fees, presented in the review is correct as of the date of the review. Review the information at the top of this page, and the lender’s website for the most up-to-date information.

Written by

Emma Woodward

Contributing to writer

Emma Woodward is a former contributor to Bankrate and a freelance writer who loves writing to help people understand personal finance issues. Her writing has been published by companies and publications like Finch, Toast, JBD Clothiers and The Financial Diet.

Edited 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 the confidence to take control of their finances by providing clear, well-researched data that chunks complex subjects into digestible pieces.

Auto loans editor



Legal Cookie settings Do not sell my personal information

How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods andservices or for you clicking certain hyperlinks on our site. Therefore, this compensation may influence the manner, place and in what order items are listed, except where prohibited by law for our mortgage home equity, mortgage and other home loan products. Other factors, like our own proprietary website rules and whether the product is available within the area you reside in or is within your own personal credit score may also influence the manner in which products appear on this site. Although we try to offer the most diverse selection of products, Bankrate does not include specific information on each financial or credit item or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |


(c) 2023 Bankrate, LLC. A Red Ventures company. All Rights reserved.

If you have any concerns relating to where and just how to make use of payday loans online no credit check same day canada (payday-qw.site), you could call us at our internet site.