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Ilending

iLending The 2023 Review of Auto Loan Refinancing Published 2023-01-01 00:00:00

Written by Emma Woodward Written by Contributing writer

Emma Woodward is a former contributor to Bankrate and a freelance writer who loves writing to help people understand personal finance topics. Her writing has been published by 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 writing and editing for Bankrate since the end of 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 topics into manageable bites.

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by offering financial calculators and interactive tools that provide objective and original content. We also allow you to conduct your own research and compare information at no cost to help you make sound financial decisions. Bankrate has partnerships with issuers, including but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site are from companies that compensate us. This compensation could affect how and when products are featured on this site, including for instance, the sequence in which they be listed within the categories of listing, except where prohibited by law for our mortgage home equity, mortgage and other products for home loans. This compensation, however, does have no impact on the information we publish, or the reviews you see on this site. We do not cover the entire universe of businesses or financial deals that may be available to you.

About our reviews Editorial disclosure The reviews are written by staff. The opinions expressed in them are only those of the reviewer and are not reviewed or accepted by any advertiser. The information such as rates and charges, presented in the review are accurate up to the date when the review first appeared. Check the data on the right and the lender’s website to find the most recent details.

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 five

Customers Experience Score: 4.4 5 stars from 5

Transparency Rating: 4.5 stars out of 5

Find out about 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 save you money sound appealing, but you should consider both the pros and cons of this refinancing service before signing up.

PROS Personal loan specialist

Low APR minimum

Quick and simple application process

CONS Only refinance vehicle loans

No in-person service

Vague qualification requirements

If you’re looking to refinance your vehicle loan ILending could be the perfect place to start. iLending provides refinancing options for most automobile loans with the goal of saving you money. This company has been operating 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 to assist you with the case. They also assist customers with bad credit scores. Although iLending does not function as a lender it does collaborate with banks and credit unions around the nation to find the loan options that can save you the most money.

Do you qualify? Interested applicants should make sure they meet the basic prerequisites. There is equity in the vehicle and a satisfactory debt-to-income (DTI) ratio to be approved. You can calculate your DTI using an . iLending does not provide an absolute credit score or annual incomewhich can vary between its lender partners — but generally, you need an average credit score of at minimum 670 to be eligible for the lenders’ highest rates. What we love and what we don’t like If you’re approved for refinancing, you’ll receive personalized assistance to help navigate the lending process and may be eligible for a surprisingly low interest rate. There isn’t person-to-person customer support that may not be ideal 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. Minimum APRs that are low ILending’s advertised Minimum APR at 2.14% is less than the average of its competitors but the rates you’ll be given will differ based on your creditworthiness and other aspects. Simple and quick application process It’s possible to apply online through a streamlined procedure that will take only about a couple of minutes. We don’t like that they only refinance vehicle loans: iLending doesn’t offer loans for . No in-person service: iLending aims to save its customers money by operating at lower expenses for overhead — which means they don’t have physically-based places. Vague qualification requirements: iLending’s website does not provide many qualifications criteria, including a minimum credit scores, and minimum and maximum loan amounts. How to contact iLending Contact iLending customer support by calling at 866-683-5505, via the chat service via the iLending website or the contact form for email on its website. Customer service representatives are available Monday through Friday between 6 a.m. until 8 p.m. (MT), Saturday between 8 a.m. to 4 p.m. Monday through Sunday between 10 a.m. to 3 p.m. MST. Live chat and phone assistance can be accessed in Spanish as well as English.

Auto loan types offered

The loan quick facts are Not disclosed Terms 12 -84 months APR: From 2.14%

It is the only place you can find auto loan refinancing with iLending. It is an unofficial service that connects existing borrowers and prospective new lenders. Current auto loan customers can avail the services of iLending if they wish to get lower rates of interest or . Being a partner with several lenders across the nation means that rates and terms vary. It is possible to connect with one of the company’s loan experts to learn about specific loan terms that might be available to you. How to apply for an loan with iLending You are able to apply for a refinance of your auto loan directly through the iLending website. The application will request your basic info, like your Social Security number, your name address, phone number and email. A loan specialist will contact you to complete any needed information. According to the website, the application process should only take less than a minute.

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

ILending FAQs

Does iLending charge fees if applicants apply for an the auto loan refinancing? No, iLending does not assess an application fee.

Are they a trustworthy company? 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

3.9

Accessibility

3.8

Because iLending works with a wide network of lenders and lenders, it is able to assist the borrowers from any state. However, it does not provide most or minimum loan amount.

Affordability

3.6

Rates start at 2.14 percent annual percentage rate. You won’t find a maximum APR, however, and the fees aren’t listed.

Customer experience

4.4

Customer service is available seven all week long, and it is available in English or Spanish.

Transparency

4.5

Prequalification is possible, however only the minimum rate is available prior to submitting your information.

Methodology To rate lenders that are specialized in refinancing auto loans, Bankrate considers 16 different elements. These variables range from the loan amount, APR that is disclosed and acceptance criteria. Each lender holds a score which is determined by four categories. The availability category includes loan amount, vehicle restrictions and availability in each state. Accessibility: This section covers expected APRs as well as acceptance criteria, discounts for autopay as well as the total amount of fees. Experience with customers: This category 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 recorded.

Disclosure of author: All reviews are prepared by Bankrate.com staff. The opinions expressed are only 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 as of the date of the review. Look over the information in the upper right hand corner of the page as well as the lender’s site for the most current details.

Written by

Emma Woodward

Contributing to writer

Emma Woodward is a former contributor for Bankrate and freelance writer who is passionate about writing to demystify personal finance topics. Emma has contributed to various companies 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 late 2021. They are committed to helping readers gain confidence to take control of their finances by providing clear, well-researched data that chunks complex subjects into digestible pieces.

Auto loans editor

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