Features

IFS offers a suite of products and services including auto loan refinancing, lease purchase and fleet purchase financing. IFS works with customers with varied credit scores ranging from 550-800+. The online application process takes five minutes and connects customers with national call center finance advisors.

  • Min APR
    1.89%
  • Max Loan Term (Months)
    60
  • Lease Purchase
  • New Loan
  • Refinance
  • Institution Type
    Credit Union Other
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Reviews

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0 votes

I would like to file a formal complaint about Jose Sosa. He has not only wasted a tremendous amount of time, he is also unprofessional and full of excuses.

My experience from beginning to end: I submit a an application to refinance our auto loan I receive an approved email and a call/vm by Jose I call him back and straight to vm, then he is gone for vacation

I request to be transferred to a different rep that I can talk to over the phone on his vm He comes back from vacation and ... tells me I need to submit DL, Registration, Insurance, Pay-stub, Odometer reading and sign the Docusign, I try to call, no response. He then sends the terms and new rates over email - no phone call.

I sign the Docusign and turn in all of the required documents on 7/8/2015 I follow up with the email below because my due date for Santander is due 7/20/15 Jose replies, he hasn't received any documents I call him again and he said it is my fault. He is full of excuses.

What kind of service is this? Is he suppose to represent your company? Are we suppose to trust this horrible experience over our current bank??

Conclusion, he gets all the documents and says, you are not approved due to not having a Driver's License. I mean pardon my french but WTF?!! I am very pissed off. His communication skills are awful and he should have qualified me from the beginning before wasting my time.

BEWARE OF JOSE SOSA - UNPROFESSIONAL AND WILL WASTE YOUR TIME!!
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1 votes

The efficiency at IFS is wonderful! Refinancing my car was a breeze! I don't think they could have made it easier for me. So quick, so simple. Every person I spoke with there was very pleasant and had a nice demeanor. Seems like a solid company. Would recommend.


1 votes

I contacted various car loan companies, seeking out the lowest rate possible. I had some time before I had to get my car, so I took all the time I needed to compare. IFS offered me the best loan with the lowest interest rate. I went with them and applying was super easy. They have great customer service and my main contact there was great.


1 votes

I am happy with my experience with Innovative Funding Service. They were easy enough to work with and the employees are nice. My loan officer was a great and professional. They managed to save me money on my car loan interest rate, helping me pay less per month. This is all great, my only concern is the hard pulls they have on your credit. If they didn't do a hard pull, it would be a lot better.


1 votes

I am EXTREMELY happy with the service at Innovative Funding Services. I was so frustrated when my car loan payments became too much for me. I looked around for the best solution for me. Innovative Funding Services was the correct option in my particular case. They were quick, straightforward, and are currently saving me about $200/month on interest. I'd recommend them if you need to save money, too.


1 votes

I did everything I needed to and got results with IFS within days. I didn't even get my initial loan (through another lender) that quickly! I refinanced and got a much, much lower rate saving me $200 on my monthly payments. All the paperwork is very clear and easy to understand, which is great when it comes to signing contracts!


1 votes

Innovative Funding Services is a great option if you need to refinance your car loan. This was my first time working with them, and it has been an amazing experience. Everything was done so quickly. I did have a few issues with my application (hence the one star taken off) but after that everything went smoothly. They are a really reliable company and the employees are always super friendly. I'd recommend them.


1 votes

I didn't know if refinancing my car loan was the right option for me, but when my boyfriend lost his job and the payments became harder and harder for us, we knew it was the right thing to do. IFS was there and made the entire process so painless. Everything was done so quickly and our loan officer was the nicest person ever. They really understand you when you say you need lower payments! We cannot thank them enough!


1 votes

I am very pleased with what Innovative Funding Services has done for me. After applying- which was okay, nothing too bad but not super efficient- I was approved to refinance and lower my interest rates. They are now saving me $100 a month which I could not be happier about. They are also a very nice group of people who are always there and willing to help you. They helped me, and they can probably help you too.


1 votes

I was honestly a little hesitant to refinance my car because I thought it would be a whole lot of hassle without a lot of payout. Boy, was a wrong! The team at IFS made is extremely simple on my end. In conclusion, they gave me a lower rate, saving me a bunch per month. I'm not sure how they can afford to be so attentive and help you save so much, but I really appreciate it.


1 votes

Innovative Funding Services was the first place I actually felt like listened to me! I have wanted to refinance my auto loan for some time now, but other financial institutions always seemed stiff and old school. The people at IFS took the time to speak with me, understand my concerns, and address them accordingly. They made me feel super comfortable and confident in them.


1 votes

When I wanted to get a loan to buy a home, it was crucial that I lower my monthly car loan payments. IFS did just that. They were great to work with and made applying very simple. Also, they guide you through everything, so you don't have to do everything yourself. They are a great option for those who need to refinance.


1 votes

The service here is fantastic. Everything was done so quickly by the guy who handled my loan refinancing. They also got me a lower rate, about 5 percent lower, than what I was paying before. The customer service is great and I couldn't recommend them more.


1 votes

I applied to Innovative Funding Services on a whim, just to see what would happen. I really didn't think I'd be able to refinance my car loan, but hey, I gave it a shot. Turns out, I was approved. They were so great to work with. I am actually saving more money now than I thought I would initially. I am putting the extra money into a savings account, which is so smart! I'd definitely recommend these guys, they're great.


1 votes

My credit really stunk but I really needed a car, so about a year ago I was stuck with a car loan at 20%. I worked to pay it off but after a while it was too much to handle. Since my credit got a little better over the year, I decided to refinance. IFS was fantastic and made the process worthwhile. I'd definitely recommend them!


1 votes

The communication skills Innovative Funding Services has is great. I have worked with so many other companies that like to keep you in the dark. But IFS puts everything on the table for you. They kept in contact with me the entire time so I knew the entire process. They were great and had excellent customer service.


1 votes

I'm the kind of person who asks a million questions in order to fully understand whatever it is I'm doing, and the people at IFS took that in stride. They used it to help me out and pour all of their knowledge on me. Not once did they make me feel like an idiot or like a pain in the rear for asking all the questions. They are a great group and I'd recommend them.


1 votes

I didn't necessarily HAVE to lower my monthly payments because I wasn't struggling, but when I needed to put some money away for a wedding, I decided to check out my refinancing options. Innovative Funding Services seemed like a good option when I spoke with them. They were decent enough, but my only complaint is that they told me there wouldn't be a hard pull on my credit, but there was.


1 votes

I'm very happy with IFS. I was trying to pay off all my outstanding debts and pay down my high interest credit cards, so getting my car loan refinanced seemed like the next step in my endeavors. IFS cut about $65 off of my monthly payment. It isn't a huge amount, but that is more money I can put towards my credit cards.


1 votes

Initially, I was going to get my car loan directly through the dealer. When they gave me the interest rate, I almost passed out! I politely told them I'd get funding elsewhere. I went to IFS with the hopes of a lower rate and that's exactly what I got. It was about half what the dealership offered me. So happy with my decision.


1 votes

Innovative Funding Services seems to be a solid company with a good head on their shoulders. Every step of the way to getting my car loan through them, they kept me informed and let me know what was going on. This kind of transparency lets me know that nothing is going on behind my back. It definitely makes me trust and respect the company more.


1 votes

I have been wanting to refinance my car for probably almost a year now, but when my financial situation changed, I knew it was time. Innovative Funding Solutions did the refinancing and made it simple on my part. As a single mom, I appreciate the simplicity. I also appreciate that they are not saving me a bunch of money on my monthly bill.


1 votes

I had a great experience with this company. The customer service is wonderful and they were able to help me with all my questions. I would definitely use them again.


1 votes

Overall, I am happy that I chose to go with Innovative Funding Services to refinance my car. I originally had an apr of 8% and they brought it down to 4%. Everything was quick and pain free. No real complaints, because in the end, they lowered my interest and monthly payment, which is what I needed. I'd recommend IFS.


1 votes

This was my second time refinancing a vehicle and I couldn't have been more pleased with Innovative Funding Services. The first go around with a different company wasn't nearly as smooth. This time, Innovative Funding made it clear that they were knowledgeable about car loans, interest rates, and refinancing. I felt like I was working with the best of the best.


1 votes

Wasn't so sure I would qualify for a loan with them, but was pleasantly surprised. I applied last week and was notified within days that I was approved. Great, quick service and I am very happy!


1 votes

Because Innovative Funding Services has saved me so much on my loan, I can now make double payments each month. This is awesome considering I can pay off my new loan much faster than before. I am so pleased that I have already recommended IFS to people who are not even interested in refinancing. They are THAT good.


1 votes

After many complaints from my wife, I needed to refinance my motorcycle. This place couldn't have made it easier. They contacted me almost immediately, and everything was done over email. It only took about a week. I'm saving money now on a monthly basis, which my wife loves. Happy wife, happy life. Thanks, IFS!


1 votes

I am very happy with my experience with the team at IFS. I didn't intend on refinancing my loan, but when a friend told me about her experiences with IFS, I had to give them a shot. Turns out, the interest on my loan was much higher than it should have been! They lowered it by a ton. They were professional and helpful throughout the entire process.


1 votes

I just got done refinancing my wife's car through another company and wanted to do mine as well, but that company did not make it as easy process for us. Someone recommended IFS to us, stating that they managed to make his refinancing pain free. After getting my car refinanced with IFS, I completely agree. The people here or great and strive to work with you. Now, I recommend IFS to everyone I know.


1 votes

I applied and got a response from IFS later that day. The employee who handled my car refinancing was very professional the entire time. I am impressed by their quick work and their ability to save people so much money. I would def. recommend them. They helped me so much.


1 votes

The rate I get with innovative funding services is so much better than my last loan, I could kick myself for waiting for so long. my credit is not perfect but they are still working with me and their representatives are always very happy and helpful


1 votes

I would of rather not had the hard pulls on my credit score, but hey, I needed to refinance my car desperately. I can live with the hard pulls if that means I am paying less in the long run on interest for my car. The process was simple and the people at IFS are great. It was worth the credit impact.


1 votes

I have never refinanced my car, and I'd only taken out a total of one loan for a car in the past. That being said, these guys were extremely helpful. Obviously, I had no idea what I was doing when I refinanced. But they were patient with me and explained everything.


1 votes

IFS is fantastic! I refinanced through them and it was the best experience possible. Everything was quick. I got an approval the next day and the rate I got was awesome. I couldn't be more pleased with their customer service and with the people who handled my specific situation. Great job!


1 votes

My credit score improved tremendously when I dropped my previous car loan and got refinanced with Innovative Funding Services. I had zero credit when I got the car, hence the high interest rate. I am now able to make the monthly payments without issue, which is a blessing. I went from about 11% to 3.5%. Amazing.


1 votes

I have used IFS two separate times in the past for my vehicles. Once to refinance a car, and once to get a car loan. I am more than happy with my current loan's interest rate and the monthly payments are reasonable. If I ever need to refinance or need a loan in the future, I will definitely be going back to IFS.


1 votes

I had never heard of Innovative Funding Services until a quick Google searched turned them up. I was hesitant because I didn't know much about them, but they had decent reviews. I'm glad I gave them a shot because they got me a wonderful new interest rate when I refinanced, without lengthening the time of the loan.


1 votes

I used IFS to get a loan for a used car. They responded immediately to my inquiry. My loan guy was so nice and personable, always making time for my questions or concerns. I'd recommend IFS because they not only get you loans at low rates, they also have excellent customer service to boot.


1 votes

I don't have the greatest credit rating, but they still approved me and save me tons of money. I am very happy you have switched to this company. So far so good.

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