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iLendingDIRECT Review

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 580 to apply
  • There are additional fees for refinancing

iLendingDirect iLendingDirect Visit Site

iLendingDIRECT at a Glance

Loan types: Auto loan refinancing

Loan amount: Begin at $7,500 and go up to $80,000

Repayment terms: 24 to 84 months

APR: Starts at 2.99%

Minimum credit score: 580

Best for: Customers looking for low-interest rate auto loans and end-of-lease financing solutions


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.

Best for?

iLendingDIRECT is best 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 lease buyouts, 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
    24 to 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 580 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 24 to 84 months. Interest rates start at .

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 best and 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 24 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

2.99% to 4.44%
3.34% to 18.14%
Minimum credit score
Loan amounts
Up to $120,000
Loan term
24 to 84 months
12 to 72 months
24 to 72 months
Best for
Customers looking for low-interest rate auto loans and end-of-lease financing solutions
Comparing multiple options
Customers with varying credit scores seeking a variety of loan alternatives

iLendingDirect iLendingDirect Visit Site


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.

Physical Address


7257 S. Tuscon Way

Englewood, CO 80112

David Bechor is a freelance writer and professional blogger, specializing in content marketing and copywriting. He has produced content for various brands and organizations across the web.