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Ilending
iLending the 2023 review of auto loan refinancing Published 2023-01-01 at 00:00:00
Authored by Emma Woodward Written by Contributing writer

Emma Woodward is a former contributor for Bankrate and freelance writer who loves writing articles that help to simplify personal finance topics. Her writing has been published by companies and publications like 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 the end of 2021. They are committed to helping readers to manage their finances with clear, well-researched information that reduces complicated topics into bite-sized pieces.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by offering financial calculators and interactive tools as well as publishing original and objective content. We also allow you to conduct your own research and compare data for free to help you make sound financial decisions. Bankrate has agreements with issuers including, 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 are from companies that pay us. This compensation could affect how and when products are listed on this site, including such things as the order in which they be listed within the categories of listing and other categories, unless prohibited by law for our mortgage or home equity products, as well as other products for home loans. But this compensation does not influence the information we provide, or the reviews appear on this website. We do not contain the vast array of companies or financial offerings that could be open to you.




About our reviews Editorial disclosure Reviewers are supervised by our staff. The opinions expressed are solely those of the reviewer and have not been evaluated or acknowledged by any advertiser. The information, including rates and fees provided in the review is accurate at the time of the review. Review the information at the top of this page as well as the lender's site for the most up-to-date details.








At a look 3.9 rating: 3.9 stars out of five
Bankrate Score

Available Rating: 3.8 stars out of 5
The Affordability Score: 3.6 stars out of 5
Customer Experience Rating: 4.4 5 stars from 5
Transparency Rating: 4.5 stars out of five


Check auto loan rates


The amount of the loan from iLending is not divulged
Min. credit score not disclosed
APR starting at 2.14%
Funds available as early as one day



iLending offers personalized customer service and options for saving money sound great but consider both the benefits and drawbacks of refinancing before you sign up.
PROS Personal lending specialist
Low APR minimum
Simple and quick application process

CONS Only refinance vehicles loans
No in-person service
Vague qualification requirements





If you are looking to refinance your vehicle loan, iLending may be the perfect location to begin. iLending offers refinancing for the majority of vehicle loans with the goal of saving you money. This company has been around for over 15 years, and has earned an A+ rating with the Better Business Bureau.
With every customer, iLending provides a loan specialist who will help you navigate the case. They even assist customers with bad credit scores. While iLending is not a lender it does partner with banks and credit unions across the country to help you find the loan options that can help you save the most money.

Do you qualify? Interested applicants should make sure they meet a few fundamental requirements. There is equity in your vehicle as well as a good credit-to-income (DTI) ratio to be approved. You can calculate your DTI using the . iLending does not provide a minimum credit score or income per yearthat could differ among its lender partners. However, generally speaking, you'll need a credit score of 670 or more to be eligible for the lenders' highest rates. What we like and what we don't like for refinancing, you'll get individual assistance to guide you through the process of applying for loans and could get a very low rate. Still, there is no person-to-person customer support, which may not be ideal for you.
What we like Personal loan specialist: Every client is assigned a personal loan specialist who will assist them throughout the refinancing process. The minimum rate is low: iLending's advertised minimum APR of 2.14% is less than many competitors' however the rate you're offered will vary depending on your creditworthiness, as well as other variables. Simple and quick application process It's possible to apply online through a streamlined procedure that will take only a few minutes. We dislike that they only refinance 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 cost of overhead, which means they don't have physical establishments. The iLending website does not provide many qualifications conditions, such as a minimum credit score and minimum and maximum loan amounts. How to contact iLending Reach iLending customer support by calling at 866-683-5505, or via the chat feature on the iLending website or the contact form via email on its website. Customer service agents are accessible Monday through Friday, from 6 a.m. to 8 p.m. MT, Saturdays from 8 a.m. to 4 p.m. on Sundays from 10 a.m. to 3 p.m. MT. Live chat and phone assistance can be accessed in Spanish in addition to English.
Auto loan types offered
Quick facts about loans not disclosed Terms APR for 12-84 months from 2.14 0.14


You'll only find auto loan refinancing through iLending. It's an intermediary service between the current borrower and potential new lenders. Current auto loan customers can make use of the services of iLending if they wish to get lower interest rates or . The fact that they work with a variety of lenders across the United States means rates and terms are different. It is possible to connect with any of their loan specialists to find out specific loan term options that may be available to you. How to apply for an loan through 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, address and contact info. The loan specialist will then contact you to verify any necessary details. According to the website, the application process will take just less than a minute.
The required application requirements include your name, date of birth as well as Social Security number 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) Current mileage for the vehicle


ILending FAQs
Does iLending charge fees if applying for the auto loan refinancing? Absolutely not, iLending does not assess any application fees.



Are they a trustworthy company? Yes. The platform online has been around for more than 15 years, and is currently holding an A+ rating from the Better Business Bureau.



How does Bankrate rate iLending?
Overall score
3.9
Availability
3.8
Because iLending works with a wide lender network and lenders, it is able to assist those in need across the country. But it doesn't provide its most or minimum loan amount.
Affordability
3.6
Rates start low at 2.14 per cent APR. There's no limit on APR though, and fees aren't specified.
Customer experience
4.4
Customer service is available seven all week long, and accessible in both English and Spanish.
Transparency
4.5
Prequalification is offered, however, just the minimal rate will be offered prior to submitting your information.


Methodology to rate lenders who focus on auto refinance loans, Bankrate considers 16 different factors. These factors range in consideration to the loan amount, the APR disclosed and the acceptance standards. Each lender has a score that is based on four categories. Accessibility: This is a factor that accounts for loan amount, vehicle restrictions and availability in each state. Affordability: Primarily, this section covers the expected APR and acceptance conditions, discounts for autopay, and the amount of charges. Customer experience: This section includes access to support online, online accessibility and funding timeframe, as well as the option for automatic payments and app availability. Transparency: Here , prequalification and disclosure of rates and charges are taken into account.
Disclaimer: All reviews are prepared by Bankrate.com staff. The opinions expressed are only the opinions of the reviewer and are not reviewed or approved by any advertising company. The information such as rates and charges, presented in the review is accurate as of the date when the review first appeared. Look over the information in the upper right hand corner of the page, and the lender's website to find the most current details.




Written by
Emma Woodward
Contributing to writer


Emma Woodward is a former contributor to Bankrate and freelance writer who enjoys writing to help people understand personal finance issues. Her writing has been published by businesses and publications such as Finch, Toast, JBD Clothiers and The Financial Diet.
Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are committed to helping readers gain the confidence to manage their finances through providing concise, well-studied, and well-documented information that breaks down complex subjects into digestible pieces.






Auto loans editor










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