iLending review

Updated September 30, 2026 · BorrowCue Editorial Team · Facts checked September 30, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

iLending suits you if you hold a car loan in the US and seek refinancing aimed at fair credit profiles with steady fixed payments. APR sits at 4.99% to 19.24% on balances of $5,000 to $150,000 over 12 to 96 months, with funding within A few days arranged as a broker across lenders.

Key facts

Best for
Drivers in the US seeking car loan refinancing with fixed payments
APR
4.99% to 19.24% (Source, checked September 30, 2026)
Loan amount
$5,000 to $150,000 (Source, checked September 30, 2026)
Term
12 to 96 months (Source, checked September 30, 2026)
Arrangement fee
No application fee; admin, title and state fees apply (Source, checked September 30, 2026)
Credit check
Soft prequal (Source, checked September 30, 2026)
Funding time
A few days (Source, checked September 30, 2026)
Rate type
Fixed (Source, checked September 30, 2026)
Lender type
Broker (Source, checked September 30, 2026)
Eligibility
Min. score 600, income $1500 per month (Source, checked September 30, 2026)
Loan types
Car (Source, checked September 30, 2026)
Credit needed
Fair (Source, checked September 30, 2026)
Legal entity
Fleet Financial Inc. d/b/a iLending (Source, checked September 30, 2026)
Headquarters
United States (Source, checked September 30, 2026)
Founded
2006 (Source, checked September 30, 2026)
Support channels
Phone, Help-centre (Source, checked September 30, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
ilendingcarloanrefinancing.com

Apps and profiles

Elsewhere
TrustpilotLinkedInXfacebook.com

Pros and cons

Pros

  • APR at 4.99% to 19.24% with fixed rate structure under fixed keeps payments predictable for car refinancing
  • Balances of $5,000 to $150,000 with terms across 12 to 96 months suit a wide span of remaining auto debt
  • Soft prequalification limits early credit impact while you compare brokered offers
  • Application carries no separate charge with admin and title costs disclosed separately, keeping entry clear alongside APR at 4.99% to 19.24%

Cons

  • Support runs on phone and help centre only, which limits choice if you prefer chat or email contact
  • Funding within A few days may feel slow beside same day options, with closing and titling steps still to weigh
  • Broker model under broker means final approval and pricing rest with partner lenders
  • Car focus under car limits use if you seek personal or debt consolidation lending
iLending

Ready to try iLending?

Scored 8.9 / 10 by BorrowCue.

See alternatives

Who it suits

  • Drivers in the US refinancing a car loan who value fixed payments and brokered choice
  • Borrowers with fair credit seeking soft prequalification before a full lender review
  • Borrowers consolidating remaining auto debt over longer schedules with phone support

Who should look elsewhere

  • Borrowers outside the US should consider Ibancar Prestamos because iLending focuses on US car refinancing and US licensing
  • Borrowers seeking card based revolving credit should consider AXI Card Tarjeta y Credito because iLending covers car loans only
  • Borrowers seeking a very short advance should consider Cashspace because iLending uses instalment terms over many months

What borrowing costs

Borrowing costs centre on APR at 4.99% to 19.24% for car loan refinancing, with pricing set as fixed so monthly payments remain steady while the balance amortises. That structure helps you compare total interest across offers by looking at rate allied to balance and repayment length rather than headline rate alone. Fees involve no separate application charge while administrative, title related and state linked costs can still arise through the closing process. You should request an itemised schedule showing lender charges beside government and titling charges, then weigh that combined outlay against interest saved by moving from your current loan. Where payoff timing straddles billing dates, accrued interest on the prior loan can also affect the benefit, so alignment of payoff and start dates deserves attention.

Who regulates the lender

Regulatory standing rests on authorisation under 1716867, with NMLS as the regulator shown in licensing records for activity in the US. That entry allows you to confirm identity and authorisation status through the public register before sharing documents or agreeing to credit searches. The operating model under broker means iLending arranges introductions to lenders on its panel rather than originating credit on its own balance sheet, so the binding credit agreement, rate confirmation and adverse action notices come from the approving lender. You should read which entity appears as creditor on disclosures, retain copies of consent forms for credit checks and marketing contact, and check state availability because brokered panels can vary by location and vehicle type.

How your money is protected

Protection for your money reflects the broking role under broker, where client funds are not held as deposits and the risk addressed by diligence concerns data handling, clarity of offers and proper payoff of the prior lien. Authorisation under 1716867 gives a verifiable regulatory footprint, which supports complaints handling and accountability if disclosures prove incomplete or payoff instructions go astray. You can reduce risk by using documented channels for bank details and payoff authorisations, avoiding advance payments to parties outside the disclosed closing statement, and confirming lien release with both the prior lender and the motor registry after funding. Keep approval letters, payoff confirmations, title paperwork and payment schedules together, and reconcile the initial direct debit against the agreed amortisation to catch errors early.

The company behind it

The business trades under its registered identity with legal entity details shown as Fleet Financial Inc. doing business as iLending, providing a clear corporate name for agreements, disclosures and correspondence. Domicile is in the US, with activity focused on domestic car loan refinancing and guidance delivered in local market terms and currency. History dates to 2006, which gives a track record spanning many credit cycles and successive changes in auto values, underwriting practice and funding conditions. Day to day contact runs through phone and help centre, combining direct phone dialogue for application queries with help centre resources for background reading on process, documents and titling. Authorisation under 1716867 anchors that structure to a verifiable register entry, so you can match the trading name, corporate name and licence details across paperwork before proceeding.

How iLending compares

Where iLending is available

Available
United States
Licence in United States
NMLS (1716867), checked September 30, 2026

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

What APR does iLending charge for car refinancing?+

APR sits at 4.99% to 19.24% for car loan refinancing, with fixed rates that keep monthly payments steady through the agreed schedule. Your offered rate will depend on credit profile, vehicle value, remaining balance and chosen repayment length.

How much can you refinance and over what term?+

Balances of $5,000 to $150,000 are supported, which covers a broad span of remaining car loan sizes. Terms run across 12 to 96 months, allowing you to balance monthly payment size against total interest paid over the life of the loan.

Are there application or closing fees?+

You pay no application charge while administrative, title and state linked costs can still apply for balances of $5,000 to $150,000. You should ask for a written breakdown before signing so third party charges are clear and comparable across brokered lender offers.

Will checking rates affect my credit score?+

Prequalification uses a soft credit check, so early rate shopping does not mark your credit file in the same way as a full application. A hard enquiry may follow later when a partner lender reviews documents and confirms approval.

Is iLending a direct lender or a broker?+

iLending operates as a broker under broker, matching your application with lenders from its panel rather than funding directly. Final underwriting, documents, servicing and payment collection rest with the lender that approves your refinance.

Who regulates iLending and is it licensed?+

Authorisation appears under 1716867 with oversight from NMLS in the US, which provides a public register entry you can verify. The firm trades as Fleet Financial Inc. doing business as iLending and is based in the US.

How do you get help and how long does funding take?+

Support is available through phone and help centre, giving phone access plus online guidance materials for documents and eligibility. Funding commonly completes within A few days, so title transfer and lender payoff steps should be planned around that timetable.

Sources

Compiled from 6 source pages, checked September 30, 2026. We did not open an account.

Not confirmed yet: Representative example.

iLending

iLending

Drivers in the US seeking car loan refinancing with fixed payments

8.9/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings