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iLending Review

Reviews 1,394
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Reviews 1,394
Bestmoney Staff
Aug. 20, 2023
3 min read
BestMoney Staff
iLending Summary
Based in Englewood, Colorado, and founded in 2006, iLending is a national leader in automotive refinancing. Through strategic partnerships with financial institutions around the country, iLending offers competitive finance rates and creative financing solutions to thousands of customers a year, in all 50 states.


  • Relatively low interest rates
  • Quick and easy auto refinancing process
  • Options for longer-term borrowing


  • Loans are subject to late penalty fees
  • Applicants must have a credit score of at least 560 to apply
  • There are additional fees for refinancing

iLending at a glance

Editorial score

Online experience

Has learning resources and mobile app

Customer services and support

Multiple ways of reaching lender, wide range of hours

Loan Types

Niche lender

Repayment Flexibility

Offers multiple repayment plans- but no special repayment programs

Eligibility (credit score)

Accepts most credit types

Call iLending 8666835505


iLending is an auto loan refinance offering based in Englewood, CO. Founded in 2006, iLending Inc. offers auto refinance loans in all 50 states and Washington, DC. The company offers competitive interest rates with no prepayment penalty, and longer terms that allow for borrowers to take on larger loan amounts while keeping monthly payments more affordable.

The company offers a detailed website with useful information on current rates, terms, and conditions, as well as other helpful tools, such as a monthly savings calculator and a detailed roadmap for applicants to better understand the company’s lending process. iLending does not charge a loan origination fee for refinancing an auto loan (a fee that lenders often charge for processing, underwriting, and funding a loan). The minimum age to apply for a loan with iLending is 18 or the state minimum, whichever is higher.

Suitable for?

iLending is suitable for those looking for a fast and easy auto refinancing process, as well as customers looking to relieve current debt. Loans are offered in all 50 states around the US, and the company offers a wide variety of other services as well, including cash back, Guaranteed Asset Protection (GAP) waivers, and more.

iLending connects customers with auto finance providers to help them quickly refinance their auto loans. iLending works with a network of nationwide lenders to offer competitive rates, with personalized attention from experienced loan consultants.


iLending offers auto loan refinancing to applicants around the country.

Highlights for those applying include:

  • The ability to borrow between $7,500-$150,000.
  • Flexible repayment terms from 12-84 months.
  • Long-term industry experience, with operations since 2006.
  • The ability to choose from a broad network in all 50 states around the US.

Application Process

Applicants to iLending can get pre-qualified with an easy online application, after which a personal loan consultant will contact them to continue the process.

Applicants with a credit score of at least 560 can apply for a loan via iLending Auto Refinancing. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher. Auto refinance loan applications are typically approved (or denied) within 24 hours, and funded within 1 to 7 days of approval.

To qualify, applicants may need to provide a driver’s license, proof of citizenship or residence permit, and/or recent pay stubs.

Loan Types and Terms

iLending features a variety of auto refinancing offerings, with a comprehensive range of loan amounts, as well as flexible rates and repayment terms. Applicants can borrow between $7,500-$150,000, with terms of 12-84 months.

The company’s website features a convenient monthly savings calculator, where applicants can enter the financing terms and then see how much their monthly payment would be. The website also offers a “refinancing roadmap,” with iLending’s 7 steps for finding the most suitable loan for applicants.

Repayment Options

iLending is relatively affordable compared with industry standards, although rates vary depending upon the amount borrowed and term length. iLending offers competitive repayment options, with terms that range from 12 months up to 84 months, and interest rates that are often favorable to competitors.

How Safe Is It?

Although iLending works with customers’ sensitive information and data, the company keeps this data secure, and is transparent about what information it collects and how. iLending employs industry-standard security measures including user data encryption, along with the implementation of strong physical and electronic protections for its servers.

Help & Support

You can get in touch with iLending via phone from Monday-Friday 7am to 7pm (MT), Saturday 8am to 2pm (MT), and Sunday 9am to 12 noon (MT).

iLending also has a spanish call center: 866.683.5505

The company also has detailed and updated social media pages, including Facebook, LinkedIn, and Twitter. Links to all of their social media sites can be found on the company’s website.

iLending’s FAQs page offers quite a lot of detail, with general information about auto refinancing and how it works, as well as tools such as steps for how to get an auto refinancing loan with iLending. Overall the website is very easy to navigate, and has several useful features, such as a monthly savings calculator and information about how their loan process works. The site features several educational resources as well, including a blog and other information to help applicants make the most informed decision possible.

How iLending Compares

Minimum credit score560560
Loan amounts$7,500- $150,000$7,500- $300,000
Loan term12-84 months12-72 months
Suitable forLow interest rate auto loansComparing multiple options


In business since 2006, iLending connects clients with auto finance providers to help them refinance their auto loan quickly and easily. iLending works with a network of nationwide lenders (in all 50 states and Washington, DC), offering competitive rates with personalized attention from experienced loan consultants.

iLending provides a variety of auto refinancing plans, with affordable and convenient financing solutions. They do not charge a prepayment penalty, but do charge a refinancing fee, as well as late penalty fees when applicable. The application process is straightforward and fast, with options for contacting loan consultants for additional information as needed.

The company is a BBB Accredited Business with an A+ rating.

Call iLending 8666835505

Physical Address


7257 S. Tuscon Way

Englewood, CO 80112

BestMoney Staff
Written by
Bestmoney Staff
Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.
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