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

QUESTIONS ABOUT YOUR VEHICLE ANSWERED

I have over 100k miles on my car, can I apply?

Yes. But some lenders may require credit scores above 650 for high-mileage vehicles. However, we encourage you to check back every three months by contacting your Finance Advisor as our lender base changes. If you do not have an assigned Finance Advisor, please call 1-866-504-3748.

What if I owe more than the vehicle is worth?

Apply. Often times, we can handle a lot of under equity situations, and still get you a better deal.

What are the requirements to refinance my vehicle?

  • Have owned the car for 6 months
  • Employed
  • Must be able to verify all necessary income to qualify
  • Minimum income of $1,900 gross monthly
  • 2008 or newer auto
  • 100,000 miles or less
  • No repossessions
  • Dismissed or discharged bankruptcy
  • No open bankruptcies
  • Not past due on current auto loan or mortgage loan

HOW ELSE 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 current loan.

I can’t 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