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

Learn More About Car Loan Qualification with IFS

I was pre-qualified, but when I began filling out your application, it said I didn’t qualify and wouldn’t let me continue. Why?

There are many factors that can disqualify an applicant. Your credit score, of course is a factor, but so is the age of your vehicle. These factors are weighed as you move through the process.

Will I get approved for the same rate posted in online offers?

Maybe. Yes, if you meet all of the criteria for that car loan offer. If you do not, you may be approved if possible at the best terms available.

What are the qualifications for an auto loan refinance?

  • Have made four or more vehicle payments
  • Employed or have verified sources of income
  • Must be able to verify all necessary income to qualify
  • Minimum income of $1,500 gross monthly
  • 2009 or newer auto
  • 100,000 miles or less
  • No repossessions
  • No open bankruptcies
  • Not past due on current auto loan or mortgage loan


I have questions about the loan process.

I have questions about my credit.

I have questions about my vehicle.

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