in Auto Loans

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in Auto Loans

SuperMoney Net Recommendation Score +87% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly recommended

72 users recommend
0 users are unsure
5 users don't recommend
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Where does iLendingDIRECT do business?

iLendingDIRECT is based in Englewood, CO. It was founded in 2006 and offers auto loans in 50 states (and Washington, DC).

How much can you borrow via iLendingDIRECT?

iLendingDIRECT auto loan amounts start at $5,000 and go up to $80,000.

What APR does iLendingDIRECT offer on its auto loans?

iLendingDIRECT offers auto loans with APRs starting at 1.99% and up to 14.99%. Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccuate information in your credit history with these credit monitoring tools.

What is the maximum loan term you can get with iLendingDIRECT?

iLendingDIRECT has auto loans with a maximum term of 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does iLendingDIRECT charge an origination fee?

No, iLendingDIRECT does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does iLendingDIRECT charge a late fee?

Yes, iLendingDIRECT charges borrowers with a late payment penatly fee

Does iLendingDIRECT charge prepayment fees?

No, iLendingDIRECT will not charge you a fee for paying your loan early. Whenever possible choose lenders like iLendingDIRECT that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for a loan with iLendingDIRECT?

Applicants with a credit score of at least 580 can apply for a loan via iLendingDIRECT. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for an auto loan via iLendingDIRECT?

iLendingDIRECT will typically approve (or deny) an auto loan application within 24 hours and fund the loan within 7 business days of approval.

Does iLendingDIRECT report loan payments to credit bureaus?

iLendingDIRECT may report credit data to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion


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  • Headquarters
  • 7257 S. Tucson Way
    Englewood, CO 80112 USA
  • Visit Site

Message from iLendingDIRECT

We save our customers an average of $112.00 per month on their car payment and $2,753.00 over the life of their auto loan. At iLendingDIRECT, we work with a network of banks and credit unions to get you the lowest rate available for your auto loan.


Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee
No Prepayment Fee
Application Fee
Minimum Age
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Co-borrower
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
Credit Score Range
580 - 900
850 300 580
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Term (Months)
Up to
Loan Amount
$5K - $80K
$500 $100K+
1.99% - 14.99%
0% 36%+


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