iLendingDIRECT Auto Loans Review

Rating: 7 / 10 (Very good)
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iLendingDIRECT is an online marketplace that connects customers looking to refinance their auto loan to banks and credit unions. In addition to auto refinance, the company provides lease buyout, GAP insurance, and extended warranties. The company offers secured auto title loans and an employee purchase program that allows employees to buy the company cars that are provided to them by their employers.

How is iLendingDIRECT rated?


Loan Options
Application & Service

Overall Rating: 7 / 10 (Very good)

iLendingDIRECT has a lot going for it in the world of auto refinance and lease purchases. It has an excellent reputation with consumer watchdog groups. Business Journal named it one of the best companies to work for in the metro Denver area. It focuses on auto refinance and uses that expertise to move consumers into more affordable auto loans. As with all auto loan marketplaces, it isn't possible to evaluate loan terms and qualifications, since the company deals with a number of banks and credit unions. Consumers should certainly pay close attention to those. But iLendingDIRECT does the specific things that it does very well.

Auto Loans & Refinancing

Loan Options - 7 / 10

iLendingDIRECT does not finance new or used car purchases or private party sales. Instead, it has carved out a niche in the world of auto refinance and expanded on it to include lease buyouts, purchases of company cars, vehicle service contracts, and gap waivers. Since it is not a lender itself, data relating to loan amounts, terms, and interest rates will vary greatly.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Loan Qualifications

Qualification - 7 / 10

Each lender that iLending DIRECT refers its customers to sets its own loan requirements, so the details of how to qualify for a loan are inherently variable and can't be generally evaluated.

Borrower Qualifications

Minimum Age
Must be 18 or older
Minimum Income
No minimum
Minimum Credit Score
No minimum
US Citizenship Requirement
Verification / Documents Required
Social Security Number

Vehicle Qualifications

Mileage Limit
No Limit
Car Age
No Limit
Car Makes
Any Vehicle Make

Application & Service

Application & Service - 7 / 10

iLendingDIRECT collects preliminary identifying information on its website from prospective customers through an easy-to-use interface. This information is matched with banks and credit unions, which then may deliver a refinance offer to the customer. The process is simple and well-executed.
Approval Time
Same Day
Funding Time
1-7 Days
No Fees Specified
Benefits/ Features
Online Rates / Application
Pre-approval Soft-credit Inquiry

iLendingDIRECT Reputation & Reviews

Reputation - 7 / 10

iLendingDIRECT is one of the rare companies those positive BBB reviews vastly outnumber its negative reviews. The company also appears to be very responsive to the complaints it does receive. It scores respectably well on TrustPilot. Its reputation is solid.
Trust Pilot Rating
7.4 out of 10
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews

Contact & Additional Information

Homepage URL
Company Phone
(866) 683-5505
Headquarters Address
7257 S. Tucson Way, Englewood, CO, 80112
Year Founded

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