Auto Refinancing

Nancy Fitzgerald, CEO


Nancy Fitzgerald, CEO


Nancy Fitzgerald is President & CEO for iLendingDIRECT, a national auto refinancing company. She held positions in the organization’s marketing and fleet lease departments before becoming President & CEO in 2014. She has grown the company 15-30% each year, helping 13,000 families save more than $1.5 million in monthly auto loan payments in 2017. Under Nancy’s leadership and vision, iLendingDIRECT received a 2018 BBB Torch Award for Marketplace Trust, is a multi-year winner in the Denver Business Journal Top Places to Work and has been named to the Inc. 5000 list of the nation’s fastest-growing private companies.


If you are awarded a vehicle and your spouse’s name is attached to the loan, you may need to refinance the loan to remove your spouse’s name from the loan. This is important as vehicle loans have a big impact on credit. If you do not remove your spouse’s name from a loan, they may not be able to qualify for additional loans. This applies to any vehicle that has a loan in both names: car, truck, SUV, van, RV, ATV, motorcycle or boat. Before you modify any financial accounts during your divorce, be sure you have permission from your spouse or permission from the Court.

With iLendingDIRECT, not only can we help you with your vehicle loan title, but we can also see if your vehicle is a candidate for auto refinancing or cash back.

*It is important to understand that a temporary injunction prohibits the transfer of anything after filing for divorce without authorization from the Court or consent of the other party.

Auto refinancing is the process of lowering your interest rate to save you money on your car loan. An auto refinance loan is a secured loan used to pay the existing balance on a current car loan. The car is used as collateral for the new refinanced loan. The refinanced car loan has a fixed interest rate and fixed monthly payments for a set period of time.

  • Remove your spouse from the loan without going to the bank or DMV
  • To lower your monthly payment
  • To lower your interest rate
  • To lower the overall cost of your car
  • To get cash back out of your car

Savings vary based on your individual situation. On average, iLendingDIRECT saves its customer $144/month on their car payment and $2,753 over the life of their auto loan. If you’re curious, try our monthly savings calculator to see how much you could be saving on your auto loan.

Refinancing your car loan takes only a few days but depends on how quickly you can get us the paperwork we need to assist you. Your personal loan consultant will help guide you through a very easy step-by-step process.

iLendingDIRECT follows a simple, 7-step process to refinance your auto loan. Your highly-trained loan consultant will help you every step of the way.

  1. We discuss your goals and how we can get of service to you, getting basic information.
  2. We work to find the best options for you.
  3. We present your options and you choose the one that’s right for you.
  4. You collect and send your information to us.
  5. We complete the required documents in minutes.
  6. Your loan is submitted to the lender and we monitor its progress.
  7. Congratulations! You have refinanced your car and can start saving money immediately.

What makes iLendingDIRECT different is our dedication to building a personal relationship with our customers and the expert, in-depth training our loan consultants receive. Our loan consultants go through an extensive 6-week training program to learn the best ways to assist our customers. When you work with iLendingDIRECT, you will have a personal loan consultant who cares about you and the right loan for you.

We partner with banks and credit unions all over the country to make sure we have multiple options to help you save money on your auto loan. Our financial institution partners work with us to find the very best rates available. We are constantly searching for new banks and credit unions to continue to give you a wide variety of financing options.

Anything you drive or ride that you have a loan on can be refinanced: Car, truck, SUV, van, RV, ATV, motorcycle or boat.