We help people lower their monthly car payment!

Save Money. Free Up Cash.

No payment for up to 90 days.


Save an average of $132* a month.


Low Rates Available.

Drive Towards Financial Bliss. Reduce Stress and Enjoy Life to the Fullest!

Our You First Approach put's the focus on you!

Car Loan Refinancing can save you money and free up cash.  This newfound affordability allows clients to manage their monthly budget more effectively and free up funds for other financial goals.

Additional funds to cover monthly expenses or reduce the burden of high-interest credit card debt.


Extra cash to treat your loved ones to that much-needed and well-deserved family vacation.

Increase your savings and build a rainy-day account, ensuring peace of mind during unexpected situations.

Frequently Asked Questions

Refinancing is easy  
with iLending!

Yes, there is no cost to apply!


Yes, it’s safe & secure.


Yes, we help people save money.

Who is iLending?
We exist to save you money. iLending is a nationwide team of professionals who save consumers millions in car payments every year. We offer access to low rates, lower car payments, and the opportunity for our clients to skip up to 90 days of payments.  What sets iLending apart is that our focus is not on a transaction but on understanding each client's situation deeply. We provide a knowledgeable Loan Consultant who takes the time to understand each unique situation and offers caring, respectful, and customized service at every step.
What is Car Loan Refinancing?
Refinancing a car loan is the process of replacing your existing car loan with a new loan that provides you with better terms (lower interest rate, lower monthly payments, etc.). When you refinance, the new loan pays off the old loan, and you will only have to make payments on the new loan. Because your new loan is a different contract, you have the ability to craft the terms in a way that addresses your specific needs at this time. For example, you can change the repayment term, add or remove cosigners, or choose several other features which will make your life easier.
Will applying for a refinanced car loan affect my credit score?
During the initial application, your credit score will never be impacted. Should you choose to move forward with the loan process, the lender will complete a formal credit inquiry that will show on your credit history.  In most instances, refinancing your car loan may temporarily lower your credit score. However, your credit rating should bounce back quickly as you make your monthly payments. In the long run, the financial benefits associated with car loan refinancing usually outweigh the drawbacks of this temporary reduction in your credit score.
Do I need good credit in order to refinance?
Many of our customers have credit scores they feel could be much higher. Part of the reason we work with so many banks and credit unions is to do our homework and find a financial partner to get you qualified for a refinance. If you can’t get qualified, iLending will work with you to help you get qualified. There are many ways we can teach you to begin to improve your credit immediately.
What information do you need from me to apply?
The first and most important piece of information we get from you comes in the form of a question: “What are your goals for car refinancing?”.  It’s important for iLending to understand your goals so we can work to find a unique solution to your unique goals and situation. Once we know your goals, during our initial discussion, we will quickly collect details on your vehicle (VIN, mileage, trim), your employment and income information as well as verify some personal details about you and your situation. 
How long does it take to apply?
Applying is easy. Simply provide your information and one of our highly trained Loan Consultants will reach out to you to complete the necessary information. The entire application process can be completed in just a few minutes. 
What is the difference between a soft credit pull and a hard credit pull?
When a lender pulls your credit report in response to an application for a new home mortgage, car loan, student loan, line of credit or credit card, it is called a hard inquiry. ​Whenever a hard inquiry is made, it signals the potential that you will take on new debt. This will temporarily lower your credit score by a small amount until you demonstrate that you can successfully pay off the new debt. Due to the potential negative impacts on your credit score, it’s best to limit hard credit inquiries. Soft inquiries occur when your credit report is pulled for purposes unrelated to receiving a loan. Since these soft credit inquiries don’t indicate a greater risk of repayment (you’re not increasing your debt as a result of them), they don’t lower your credit score. For this reason, you don’t have to worry about soft credit inquiries having a negative impact on your credit.
Does it cost anything to apply?
NEVER! iLending will never charge you an upfront fee in order to apply for a car loan refinance. 

Applying is FREE and will not affect your Credit Score.