iLendingDIRECT Review

ByBestmoney StaffDec. 31, 2020
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In a Nutshell

Based in Englewood, Colorado, and founded in 2006, iLendingDIRECT is a national leader in automotive refinancing. Through strategic partnerships with financial institutions around the country, iLendingDIRECT 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

iLendingDIRECT at a Glance

Loan types Auto loan refinancing
Loan amount Begin at $7,500 and go up to $80,000
Repayment terms 12-84 months
APR Starts at 2.99%
Minimum credit score 560
Suitable for Customers looking for low-interest rate auto loans

Call iLendingDirect 8445723325


iLendingDIRECT is an auto loan refinance offering based in Englewood, CO. Founded in 2006, iLendingDIRECT 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. iLendingDIRECT 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 iLendingDIRECT is 18 or the state minimum, whichever is higher.

Suitable for?

iLendingDIRECT 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.

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


iLendingDIRECT offers auto loan refinancing to applicants around the country.

Highlights for those applying include:

  • The ability to borrow between $7,500-$80,000.
  • 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 iLendingDIRECT 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 iLendingDIRECT 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

iLendingDIRECT 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-$80,000, with terms of 12-84 months. Interest rates start at 2.99% APR.

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 iLendingDIRECT’s 7 steps for finding the most suitable loan for applicants.

Repayment Options

iLendingDIRECT is relatively affordable compared with industry standards, although rates vary depending upon the amount borrowed and term length. iLendingDIRECT offers competitive repayment options, with terms that range from 12 months up to 84 months, and interest rates that are often favorable to competitors. Rates start at 2.99% APR, and run between 1-7 years.

How Safe Is It?

Although iLendingDIRECT works with customers’ sensitive information and data, the company keeps this data secure, and is transparent about what information it collects and how. iLendingDIRECT 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 iLendingDIRECT via phone from Monday-Friday 7am to 7pm (MT), Saturday 8am to 2pm (MT), and Sunday 9am to 12 noon (MT).

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.

iLendingDIRECT’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 iLendingDIRECT. 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 iLendingDIRECT Compares

APR 2.99% and up 3.49% - 4.27%
Minimum credit score 560 560
Loan amounts $7,500- $80,000 $7,500- $300,000
Loan term 12-84 months 12-72 months
Suitable for Low interest rate auto loans Comparing multiple options


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

iLendingDIRECT 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 iLendingDirect 8445723325

Physical Address


7257 S. Tuscon Way

Englewood, CO 80112

iLendingDirect customer testimonials

GreatReviews 7
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  • author
    Pleshette Simone
    Nov 30, 2020
    Identify theft suspected

    On Nov 7th I spoke with a rep, Keisha Wilson from ilending. She informed me that she could get me a much better rate and lower my car note payment if I refinanced. If I hear back from her you did. It is now Nov. 30th. On another note I do believe ilending sells your information because my manager informed me that it was reported to him that someone tried to file for unemployment using my personal information on get this ...Nov. 8th. The very next day after speaking with “Keisha”. If you are thinking of using ilending don’t! Run far. Run fast.


  • author
    Alyssa S
    Oct 26, 2020
    Very pleased with the service received…

    Very pleased with the service received with my auto refinance. Huey Wooten, loan officer, asked what my goal was as far as having lower interest rates, lower payments or both and was able to get me both. I tried refinancing with other credit unions and so forth, but no one was able to meet my goal besides Ilendingdirect. Also appreciated the communication that was very prompt when need be, and everything was explained step-by-step. If I had a question I was always able to pick up the phone and ask. Thank you so much for making this possible and getting everything squared away very quickly. I highly recommend.


  • author
    Savannah Stanfield
    Sep 27, 2020
    I had a great experience with…

    I had a great experience with iLendingDIRECT! Kyle Wright Gave was able to get me great rate and help me get my ex off the loan that I had on the car at first! I would recommend he to everyone he will definitely take care of you!


  • author
    S M
    Jul 09, 2020
    Customer data is not transmitted securely

    Although they make the document signing process more difficult than any other lender I have ever worked with, they turned around and transmitted sensitive personal information (including my SSN) via an unencrypted attachment in unsecured email. When they reached out to me on the security issue, their first request was for me to forward the email back to them. Clearly, they have a very casual attitude towards securing customer data or they never would have sent my SSN and other information via email, much less asked me to resend it in the same way. I can't recommend them; the risk of data theft is too high.


  • author
    Stephanie Lomani
    Oct 24, 2019
    Ty B**** iLending Representative Best Rep Easy Process

    Ty B**** iLending Representative was the best & easiest person to work with. I had plenty of hopes and dreams when I started the call and worked very diligently with every step required. He and iLending have made a real impact on the thought of auto refinance. Thanks to Ty I can now put money in other areas that need attention. My partner and I have two auto loans so reducing one is going to greatly help month to month. If and when we are ready to think about refinancing again I will reach directly to Ty with iLending for the best loan service there is. Again I am excited and so proud to have this opportunity with iLending.