Last Updated: 04/18/2025
SuperMoney User Recommendation Score +88
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iLending Auto Refinancing Review
Key Takeaways
- Vehicle types. iLending refinances motorcycles, cars, and trucks.
- Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 560 are considered for iLending Auto Refinancing.
- Refinancing for large loan amounts. You can refinance auto loans of up to $150,000 with iLending Auto Refinancing.
- Origination fees starting at $499.Origination fees are deducted from the loan amount, so take it into account when deciding how much you need to borrow.
- No late fees. Missing a payment can seriously damage your credit, but iLending Auto Refinancing will not charge additional fees if you miss the due date on a payment.
- Long loan terms. iLending Auto Refinancing offers loan terms of up to 96 months. Most auto refinancing loans have a maximum term of 60 months.
iLending auto refinance Pros & Cons
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iLending auto refinance FAQ
How much can you borrow via iLending auto refinance?
What are the auto loan refinancing rates offered through iLending auto refinance?
What is the maximum loan term you can get with iLending auto refinance?
Does iLending auto refinance charge an origination fee on auto refinance loans?
Does iLending auto refinance charge a late fee?
Does iLending auto refinance charge prepayment fees?
What do you need to qualify for iLending Auto Refinancing?
Applicants with a credit score of at least 560 and up to 850 may be eligible for iLending Auto Refinancing. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan refinance with iLending auto refinance?
Does iLending Auto Refinancing report your account activity to credit bureaus?
Does iLending perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.Is iLending a legit company?
iLending Auto Refinancing Disclosure: Your loan is subject to certain stipulations such as verification of income, vehicle year, mileage, etc. IMPORTANT: The interest rate quoted may be dependent on the model year of your vehicle., If you did not enter a model year, or you refinance a different vehicle, then your interest rate may change. Please contact iLending at (866) 683-5505 for a complete list of approval stipulations, terms and conditions and further information regarding your loan approval.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
