iLending Reviews 2026 | ConsumersVerified®

📋 iLending — Quick Overview

✅ Pros

Personal refinancing specialist for every customer

Shops rates across multiple lenders simultaneously

Highly rated for communication and transparency

Works with a wide range of credit profiles

No application fee

Clear, straightforward process

❌ Cons

Broker, not a direct lender

Smaller review volume than Gravity Lending

Not available in all states

About iLending

iLending is a car loan refinancing broker that connects borrowers with competitive refinancing offers from a network of lenders. Like Gravity Lending, iLending assigns a personal refinancing specialist to each customer who manages the process from initial inquiry through funding.

The company's focus on customer service has earned it a 4.9/5 average rating. Reviewers consistently cite the transparency of the process, the accessibility of their specialist, and the company's ability to find meaningfully lower rates than borrowers were paying through their original financing.

iLending is a strong choice for borrowers who value hands-on support throughout the refinancing process. If you financed your vehicle through a dealership and have since improved your credit score or if market rates have dropped, iLending's rate-shopping approach can help you find the best available offer.

Rates & Loan Details

💲 iLending — Key Details

Loan TypeAuto refinance, lease buyout

Min. Credit Score580+

Application FeeNone

Prepayment PenaltyNone

Credit CheckSoft pull for pre-qual

Service ModelDedicated personal specialist

TypeBroker (network of lenders)

Customer Reviews

Verified customer reviews. Average rating 4.9 out of 5.

547 verified reviews · 93% five-star

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