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


Are there any pre-payment penalties for paying a car loan off early?

No. We only work with lenders that offer fixed rate, simple interest loans with no prepayment penalties. Most car loan lenders will offer 100% refinancing options with no out of pocket expenses.

I want to purchase vehicle at a dealership/friend/private party. Can I get a car loan from IFS?

No.  We specialize in refinancing, lease purchase or lease buyouts, and fleet company owned purchases only.

When can I speak to a Finance Advisor?

  • Advisors are available Monday-Thursday from 9am-8pm CST, Friday from 9am-6pm CST and Saturday 9am-5pm CST. We are closed on Sunday and all major holidays.
  • Apply online. A Finance Advisor will contact you within 48 business hours.
  • Call 1-866-504-3748.

Does IFS offer financing for company vehicles?

It depends! While we do help individuals purchase company cars, IFS does not currently work with a lender that will finance a vehicle for a business. Vehicles must be for personal use only and titles and registration must be in the individual’s name only.

Still don’t see the answer to the question you have? Please contact us!


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 have questions about my current loan.

Learn More in Our 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