A smart, easy way to lower your monthly car payment.

Auto refinancing is the process of lowering your interest rate to save you money on your car loan. Maybe interest rates have gone down since you first bought your car. Or maybe you got a loan from the dealership, and the rates weren’t very competitive. No matter the reason, iLendingDIRECT can help lower your monthly car payment by getting you a better interest rate.

On average, our customers save $144* every month and $2,753 over the life of their auto loan.

How do we do this? Simple. We work with lots of banks and credit unions, which gives us (and you) lots of options. We ask all these partners to give us their best rates, then we bring the lowest options to you.

Your new loan will give you a better rate, PLUS that rate will be locked-in for the life of the loan. That means predictable, affordable payments, month after month. No unexpected fees, charges or big payments at the end. If you’re interested in the nitty-gritty details, visit our “How it Works” page.

We understand that refinancing an auto loan isn’t something most people ever do. Fortunately, we do it many times a day! So we navigate the entire process with you, making sure you’re knowledgeable, comfortable, and everything goes as smoothly as planned.

Refinancing your current car, truck, motorcycle, boat, or RV is a quick and easy process. So let’s get started and let’s get saving!

Start your application

*This value was calculated by using the average monthly payment savings for all iLendingDIRECT customers from June 1, 2020 through December 31, 2020.

Auto Refinance 101

iLendingDIRECT Relieves Customer Debt Burden

Kim, a divorced mother of two was having trouble making ends meet and trying to come up with a creative way to stretch her budget enough to cover her everyday expenses. Despite her best efforts, she was starting to fall behind on her bills.Read More Icon

Why Choose iLendingDIRECT?


We'll Find You Low Rates

We partner with a nationwide network of lenders to get you the most competitive rates in the country.


You'll Get a Custom Loan Solution

We work to find a solution that fits your unique situation, regardless of what you’re paying or how much you owe.


We Are Here For You

Our experienced loan consultants are highly-trained and will offer a thoughtful and compassionate solution to your individual situation.


Your Vehicle Refinance Is Just The Beginning

We are a full spectrum finance company offering refinancing, cash back, lease buyout, and more.


It's Quick & Easy

Your time is valuable; Our process is simple, and you can do it all from home or your mobile device.


No Money Down

You can keep your cash, and refinancing your vehicle may even allow you to skip a month's payment, saving you even more money.

Get Started Today

At iLendingDIRECT we care about your financial health! Let us help put cash back in your wallet, protect your vehicle, and secure your budget.
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Other Services


If you lease your vehicle, there are many options that allow you to keep your vehicle and save money.


We can help you purchase your company car and educate you on the available options.


Vehicle paid off? Get cash back to pay for other expenses.


GAP Waiver

Life insurance for your car! Guaranteed Asset Protection (GAP) costs just pennies a day.


Vehicle Service Contract

Vehicle Service Contract gives you peace of mind.

Have a Question?

Call us now to start saving right away!

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