States We Serve
[AL] Alabama - (1)
[CA] California - (13)
[CO] Colorado - (4)
[FL] Florida - (2)
[GA] Georgia - (5)
[IL] Illinois - (4)
[IN] Indiana - (1)
[IA] Iowa - (1)
[MD] Maryland - (1)
[MA] Massachusetts - (1)
[MI] Michigan - (3)
[MN] Minnesota - (1)
[NE] Nebraska - (1)
[NJ] New Jersey - (1)
[NY] New York - (1)
[NC] North Carolina - (1)
[OH] Ohio - (4)
[OR] Oregon - (2)
[PA] Pennsylvania - (2)
[RI] Rhode Island - (1)
[SC] South Carolina - (2)
[TN] Tennessee - (1)
[TX] Texas - (19)
[UT] Utah - (3)
[VA] Virginia - (1)
[WI] Wisconsin - (1)


7257 S. Tucson Way, Englewood, CO, 80112, USA
(866) 683-5505


iLendingDIRECT Overview

iLendingDIRECT is a finance and insurance marketing firm that specializes in auto refinancing. The company is based in Englewood, Colorado, and partners with a variety of banks and credit unions to offer competitive rates. iLendingDIRECT was previously branded as Fleet Financial, which began in 2006 and originally focused on helping customers finance the purchase of company cars. In 2016, the company was named by Inc. magazine as one of the fastest-growing private companies in the U.S. iLendingDIRECT has an A+ rating with the BBB.

How Do iLendingDIRECT’s Auto Loans Work?

iLendingDIRECT works with a network of credit unions and banks to match customers with loan options for end-of-lease buyouts, early lease buyouts, auto refinancing and purchasing a company car or fleet vehicle. iLendingDIRECT’s services also include maintenance plans, extended warranty, and Guarantee Asset Protection (GAP) insurance.

What Are the Rates for iLendingDIRECT’s Auto Loans?

Through iLendingDIRECT’s network of banks and credit unions, customers are given access to low-rate loans that start at 0.99% APR.

How Much Money Can I Borrow for iLendingDIRECT Auto Loans?

iLendingDIRECT does not publish specific minimum and maximum loan amounts. The amount of money you’ll be able to borrow will depend on the value of the vehicle, the terms of an existing loan and your creditworthiness.

What Is iLendingDIRECT’s Application Process Like?

With iLendingDIRECT, you can fill out a loan inquiry form online or call the company. You'll be required to provide your contact information, vehicle details and, if applicable, information about your existing loan. Your credit will be reviewed, and a loan consultant will get in touch with you to detail what options are available.

How Are iLendingDIRECT’s Auto Loans Better than Other Auto Loans?

- iLendingDIRECT works with multiple banks and credit unions.

- iLendingDIRECT matches customers with loans for auto refinancing as well as lease buyouts and purchasing a company car.

- iLendingDIRECT’s additional services include extended warranty programs, maintenance plans, and GAP insurance policies.

Credit Bureau Reporting
Loan Amount
Payment Options:
APR:Starting at 0.99%
Min APR:
Max Loan Term (Months)84
Checking Account Required?
Lend To Military?
Immigration Status Considered:U.S. Permanent Resident
Minimum Age:18
Verification Documents Required:
Driver license (or other photo ID)
Proof of citizenship/residence
Customizable Payment Dates
Joint Loans Available
No Origination Fee
Pre-Approved Soft Credit Inquiry
Approval Speed (Hours)
Deferred Payments
No Late Fees
No Prepayment Fee
1-7 days
Same Day
2-4 weeks
Application Fee
Lease Purchase
Institution TypeOther
New Loan
Used Car Loan is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


I am so pleased with the help I received when refinancing my auto. iLending DIRECT found me the best and lowest APR possible. This was all done by Tyler Johnson. He was so knowledgeable on all aspects of credit ratings and recommended some very important actions I could take to even bring my credit score higher. Thanks to Tyler for all he did to help me. iLedingDIRECT will now be the company I will recommended to my friends and family.


June 21, 2017

Nick gave me one price estimate, and then the payment turned out to be higher when I got the statement from the bank. When I called to ask why that was, it turned out they had added insurance, even though I had told them I did not want to add insurance. I have been dealing with this issue since before Memorial Day weekend, and it was not until I spoke to the manager (Bruce) that it seems the issue may be resolved. However, because of their error they reran my credit and as a result my credit score went down. At this point I have no choice or else I wouldn't be doing business with them anymore.

I see that help is available for people who are in a financial bind thanks to ILending direct I got the help needed thanks again Teresa from Lexington,Ky I give 5 star

February 12, 2017

The offer I received before dealing with them directly was not the offer they tried to push. While working to refinance my car the sales rep/loan rep misrepresented the value of my car by over $4000.00. I was looking at the same two websites she was looking at and the numbers weren't matching. Of course they needed me to make up the difference in cash, imagine that. Just to be sure I took my car to Toyota and they to gave me a medium value over 4000.00 more than this company gave me. This kind of practice is predatory and immoral. I am going to my credit union to refinance, which I should have done in the first place. *******STAY AWAY FROM THIS COMPANY!!!!!!!***** They are *******CROOKS*******. To test them please take the time to know the value of your vehicle before calling them and see for yourself.


April 03, 2016

best auto refinancing company in colorado denver! you can never go wrong with a low interest plans.

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