What you need to know about Innovative Funding Services’ auto loan process. 

QUESTIONS ABOUT YOUR CURRENT LOAN ANSWERED

What if I am past due on my current auto loan?

Bring it current, let it report on your bureau as current and then apply. Be ready to explain why it was late.

If your account is only a few days past due, we may be able to help. Please call 1-866-504-3748.

Should I stop payments to my old lien holder when I get approved to refinance my car?

No. Make all payments on time until your prior loan is paid off, and you have a zero balance.


HOW CAN WE HELP?

I have questions about the loan process.

I have questions about loan qualification.

I have questions about my credit.

I have questions about my vehicle.

I cant find answers to my questions anywhere!

This resource is always under development. Please contact us if you still need more information.

Learn More In The Car Finance Library

Your Guide Through the Auto Loan Process

The auto loan process does not have to be overwhelming. Let IFS guide you through it, saving you time, money and stress. 

Access multiple lenders with one online application
Personal Finance Advisor to guide you
Competitive auto loan rates from respected lenders
Options for low to mid-range credit scores
Important document completion including titling
History of helping people like you save money
The Auto Loan Process Starts With Applying Online

Are you ready to begin the auto loan process? The first step is to apply online. 

What Our Customers Are Saying


"I wish to compliment IFS on its professionalism, services offered, patience, responsiveness, technological saviness, expeditious manner in which the transaction was completed. I would also like to compliment, in particular, Harry C. for being super at his job. I've never re-financed a vehicle in the past and didn't know much about how to do it or the process. Harry was assigned my refinance and I couldn't have been happier and pleased. Thank you Harry!"
-M.M. on 7/5/2016, Better Business Bureau

"I used IFS to exercise a purchase option on a leased vehicle and Charles Cook at IFS was very help. They pulled a very good rate for me and drew up all the paperwork with very little effort on my end. Process was smooth and handled all the details with the old title owner (car manufacturer) and financier. Entire process was surprisingly straightforward and painless."
-Brad of Austin, TX on 8/24/14, LendingTree

"Can't say enough great things about my experience with Innovative Funding! From the time Tina called me and we discussed what I was looking for, she had me approved within a couple hours with the exact loan I was looking for, and a couple options to choose from. The entire process was fast, efficient, professional, and very easy. We did everything online and by phone, I never expected refinancing my car to be so painless and so fast! Would definitely recommend them to anyone looking for a great quality experience in financing."
-Terri J. on Credit Karma