in Auto Loan Refinancing

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Where does iLendingDIRECT do business?

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

How much can you borrow via iLendingDIRECT?

Auto refinance loan amounts start at $7,500 and go up to $80,000.

What are the auto loan refinancing rates offered through iLendingDIRECT?

iLendingDIRECT offers a fixed APR auto refinance loan product that ranges from 2.49% up to 14.99%.

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

iLendingDIRECT offers auto refinancing with terms ranging from 12 to 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 refinancing loan, the more interest you will pay.

Does iLendingDIRECT charge an origination fee on auto refinance loans?

No, iLendingDIRECT does not charge a loan origination fee for refinancing an auto loan.

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.

Does iLendingDIRECT charge a late fee?

Yes, auto refinance loans via iLendingDIRECT are subject to late payment penalty fees.

Does iLendingDIRECT charge prepayment fees?

No, there is no prepayment penalty.

What are the key eligibility criteria for iLendingDIRECT auto loan refinancing?

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 refinance with iLendingDIRECT?

Auto refinance loan applications are typically approved (or denied) within 24 hours and funded within 1 to 7 days of approval.

Does iLendingDIRECT report loan payments to credit bureaus?

iLendingDIRECT may report payment behavior to one or more of 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.


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • 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 Fees
No Origination Fee
No Prepayment Fee
Application Fee
Minimum Age
Credit Score Range
580 - 850
850 300 580
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
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
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Dollar Amount
Loan Amount
$7.5K - $80K
    $2.5K $150K
Loan Term (Months)
12 - 84
    12 84
(Fixed APR)
2.49% - 14.99%
    2% 36%



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