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iLending review

Updated September 30, 2026 · SumCue 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. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

iLending suits drivers who want to refinance an existing car loan through a broker that shops lenders on your behalf, with fixed rates that stay steady through repayment. Loan amounts of $5,000 to $150,000 with terms of 12 to 96 months give room to reshape monthly costs around your budget and plans.

Key facts

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

Facts checked September 30, 2026, 5 sources

Apps and profiles

Elsewhere
TrustpilotLinkedInXfacebook.com

Pros and cons

Pros

  • Car refinancing amounts of $5,000 to $150,000 allow sizable balances to be reshaped through a broker search.
  • Fixed rate structure of fixed under model fixed rate keeps payments steady across terms of 12 to 96 months.
  • Soft prequalification described as soft prequal allows early comparison with less impact on your credit file.
  • Same day funding listed as same day funding with timing described as A few days supports rapid completion where paperwork allows.

Cons

  • Support runs on phone and help centre only, which limits choice for readers who prefer chat or mail contact.
  • Closing charges follow No application fee; admin, title and state fees apply, with admin, title and state fees adding to the amount due at closing.
  • Broker model of broker means terms depend on partner lenders rather than direct approval.
  • Car only focus of car limits use for readers seeking personal or debt consolidation borrowing.

Ready to try iLending?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • Drivers seeking car loan refinancing of car with fixed structure of fixed.
  • Borrowers comfortable with a broker of broker that compares partner lenders for APR of 4.99% to 19.24%.

Who should look elsewhere

  • Readers seeking card credit rather than car refinancing, where AXI Card Tarjeta y Credito may suit given APR of 21.59%.
  • Readers seeking general personal borrowing rather than car only loans of car, where Mi Prestamo may suit given APR of 23%.

Application and funding speed

Timing matters when you refinance, since you continue paying your current loan until the replacement completes. iLending describes funding timing as A few days, which suggests completion across days rather than an instant switch. You should keep your current payment schedule active while title and lender checks proceed, and you should prepare payoff statements, registration papers and proof of income in advance so lender review can proceed without added pauses. Loan sizing also shapes the decision, with amounts stated as $5,000 to $150,000 covering a wide span of remaining car balances. That span allows drivers with modest residual balances and drivers with large remaining balances to request quotes within the stated limits. Repayment length adds further room to adjust, with terms stated as 12 to 96 months allowing shorter schedules that may clear debt sooner or longer schedules that may lower each instalment while raising total interest. You should weigh term length against vehicle age, expected mileage and planned ownership, since stretching payments beyond useful vehicle life can leave you paying for a car you no longer drive.

Rates and costs

Cost comparison starts with the headline rate and continues through added closing charges. iLending shows APR of 4.99% to 19.24%, which spans a low advertised level for stronger profiles through to a higher level for higher risk profiles. Because pricing is risk based, the rate you receive will reflect credit history, income stability, vehicle value, loan size and chosen term, so the lower end of the span should not be read as a promise. Fixed rate terms mean the agreed rate stays in place through repayment, which helps budgeting but also means you will not benefit automatically if market rates decline after you close. Fees add a further layer, described as No application fee; admin, title and state fees apply. The absence of an application charge lowers the cost of requesting a quote, while admin charges, title charges and state charges can still add to the amount due at closing. You should ask for a full settlement breakdown showing APR, finance charge, amount financed and cash due, then compare that total against your current loan payoff and remaining interest.

Who regulates it

Regulatory standing helps you understand who oversees the firm and what role the firm plays in your loan. iLending holds NMLS licence 1716867 in the US, which provides a public licence record that you can look up through the NMLS register. That licence record identifies the licensed entity and its authorisation status, and you should check that the name and licence details match the disclosures given during your application. The service model is described as broker, meaning iLending acts as a broker that introduces borrowers to funding lenders rather than lending directly. Under that model, approval criteria, final pricing, loan documents and servicing arrangements are set by the assigned lender, while the broker coordinates comparison and paperwork. You should confirm the identity of the funding lender before signing, and you should keep copies of all disclosures, consent forms and closing statements for your records.

The company behind it

Knowing the firm behind a broker service helps you judge continuity and accountability. The legal entity is stated as Fleet Financial Inc. d/b/a iLending, which is the name that appears on agreements, privacy notices and licence records. The home base is given as the country shown in the United States, so the service operates under US frameworks and market practices rather than UK or European consumer credit rules. Operating history dates to the year shown as 2006, indicating a long period focused on vehicle finance introductions rather than a newly launched operation. Day to day contact is handled through channels listed as phone and help centre, covering phone contact and help centre resources for questions about eligibility, documents and application progress. The NMLS licence shown as 1716867 ties the entity, its trading style and its licensed activity together in a single public reference. You should use that legal name and licence reference in any correspondence, and you should direct servicing questions to the lender named in your final loan pack after funding.

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 does iLending offer for car owners?+

iLending focuses on car loan refinancing with fixed rate structures described as fixed under model fixed rate. Loan amounts are stated as $5,000 to $150,000 with repayment terms stated as 12 to 96 months, which helps you judge whether refinancing fits your remaining balance and preferred schedule.

What will refinancing cost?+

Rates are shown as APR of 4.99% to 19.24% with fixed rate terms. There is no application fee, while admin, title and state fees apply as described in No application fee; admin, title and state fees apply. You should compare the offered APR and those added fees against your current loan before agreeing to refinance.

How quickly could funds move?+

Funding is described as A few days, with same day funding listed among features as same day funding. Timing can vary with lender approval, title transfer and state paperwork, so you should allow room for those checks even where rapid funding is advertised.

Is iLending a direct lender and who regulates it?+

iLending operates as a broker under broker, meaning it connects you with lenders rather than funding loans itself. It holds NMLS licence 1716867 in the US. You should confirm which lender funds your loan and read that lender disclosure carefully.

What credit profile suits an application?+

Eligibility calls for fair credit described as fair, with checks described as soft prequal. Published guidance points to a minimum score and monthly income shown in Min. score 600, income $1500 per month. Prequalification may limit early impact on your credit file, while full approval usually requires deeper checks.

Which company stands behind the service?+

The legal entity is Fleet Financial Inc. d/b/a iLending, based in the country shown as US and operating since the year shown as 2006. Support is available through channels listed as phone and help centre. That background helps you know who administers the broker service.

Can funds be used for other borrowing needs?+

No, current positioning centres on car loans as shown in car. Readers seeking personal loans, payday loans or debt consolidation borrowing may need a different provider. Alternatives such as Mi Prestamo or Ibancar Prestamos may suit broader borrowing needs.

Sources

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

Not confirmed yet: Representative example.

iLending

Car loan refinancing through a broker with steady fixed rates

9.0/10See alternatives