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

How IFS Helps with the Auto Loan Process

The auto loan process varies from car loan to car loan. Loan documents and terms can differ between lenders, and financial regulations and disclosures are always changing. The result is that borrowers may never see the same loan process twice.

Innovative Funding Services (IFS) provides comprehensive auto loan services. We help our customers find the car loans they need and walk them through the auto loan process, shouldering many of the process’s burdens including handling auto loan paperwork and car title transfer.

To learn more about financing with IFS, click to expand the steps below.


Because there are so many variables to consider in the auto loan process, we use an online application to gain a complete understanding of each of our customers – that’s you!


Our auto loan application process and credit review help us understand the facts. Unfortunately, we cannot quote you rates without an application. But when you apply and qualify, we will match you with a Finance Advisor who will discuss your background and personal, financial needs with you. Your Finance Advisor may need to learn about your personal, financial situations, budgets, and time frames. However, all information is confidential. Expect to connect!


With a full understanding of the facts, your Finance Advisor will explain the auto loan process as it relates to you. Please allow up to two business days for your Advisor to contact you.


Your Finance Advisor may or may not have an offer for you when you first speak. Each case is different. Together, you will evaluate what loans are available to you, which service protection needs you may have, and how to proceed with the next steps. Have your questions ready!


At this time, your Finance Advisor will match you with a car loan that works for you from one of our reputable lenders. IFS works with more than ten national bank partners.


Your Advisor will consider which lenders may be a good fit for you and shop for rates and terms to meet your needs. We offer auto loan refinancing, auto lease purchasing, company car financing, and more.

By working with a large platform of reputable lenders, we can help customers with varying financial backgrounds. In many cases, we can provide up to 100% financing for those with credit scores of 525 to 850. We finance deals with interest rates as low as 1.89% and can offer flexible terms that help you keep more cash in your pocket.


All IFS auto loans are completed online or via FedEx at no additional cost or obligation. Our goal is to save you time, minimizing the stress of the auto loan process.


Moreover, we can interface with leasing companies or financial institutions you are working with. We will handle as much of the process as we can, streamlining the paperwork all the way through the closing.

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

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