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iLendingDIRECT Auto Loans Review

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iLendingDIRECT is an online marketplace that connects customers looking to refinance their auto loan with an extensive network of banks and credit unions. In addition to auto refinance, the company provides lease buyout, GAP insurance, and extended warranties. Two interesting items iLendingDIRECT offers are secured auto title loans, which allow you to borrow money against your car if you have equity in the vehicle, and an employee purchase program that allows you to buy your company car.

iLendingDIRECT is also a company that provides a considerable level of customer support. The company's financial advisors first consult with you to consider your entire financial situation before selecting the appropriate refinancing program. Your debt, monthly bills, auto insurance, other expenses are all taken into consideration in order to tailor a solution that will save you money.

Types of Auto Loans

iLendingDIRECT maintains multiple partnerships with banks and credit unions. This combined with the company's low overhead allows it to offer some seriously competitive rates for refinance, as low as .99%. They also provide loans for new cars, purchase and end of lease buyout. 

  • Auto Refinancing
  • Lease Buyout
  • GAP Insurance
  • Extended Warranty
  • Buy Company Car
  • Secured Title Loans
  • New purchase

Auto Refinance Available Through:

  • Credit Unions
  • Lending Institutions
  • Their in-house lending available in Colorado through AFS – Auto Finance Solutions

iLendingDIRECT is also accredited by the Better Business Bureau with a grade of A+.


iLendingDIRECT prefers to speak with customers personally, and there is no online utility for obtaining quotes. Customers wishing to refinance fill out a form online and are then contacted by iLendingDIRECT financial advisors in order to assess their situation and walk them through the entire process.  While no online instant approval is currently available once we get an application or are able to get the consumer on the line we can get them approved in minutes.   The company endeavors to build a personal relationship between you and their expert loan consultants in order to ascertain your goals and best make them happen.

In addition to the usual contact information, iLendingDIRECT will require:

  • Cell Phone/Contact time
  • Vehicle Make
  • Vehicle Model
  • Year of Manufacture
  • Loan balance/Monthly payment
  • Credit Assessment
  • Employment Status


Credit Score

All types

Steadily Employed




New Credit/Newly Employed


Semi/Fully Retired


Loan Details

Minimum/Maximum Loan Amount

Varies on the lender

Loan Terms

Varies on the lender


As low as .99%

Down payment


Car makes/models


GAP Coverage


Extended Warranty


iLendingDIRECT Auto Refinance

iLendingDIRECT gets good marks from us because of low rates, the breadth of financial services they provide, and their personalized approach to the whole process. The company's loan experts work extensively with customers to develop a plan to auto refinance that fits in with their monthly budget and ultimately saves them money. Also, iLendingDIRECT specializes in helping those with less than perfect credit get back on track. Their products cover all bases: GAP coverage, extended warranties, title secured loans, etc. They also provide loans for new and used purchase. 

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Top Rated
Our Partner
9.8 / 10
  • Compare 150+ car loan refinancers
  • Get the best rates from lenders across the country
  • Over 300,000 loans funded
  • A+ with the Better Business Bureau
  • Save on auto, RV, Boat, home insurance as well!