Innovative Funding Services Reviews

4.5 out of 5 stars
48 Reviews

From Borrowers in the last year


Application Process

4 out of 5 stars

Customer Service

4 out of 5 stars

4.5 5

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Most Helpful Positive Review

Feb 06, 2017
Easy and Helped Me Save Thousands
Leahm71389 Borrower

It was very easy to work with IFS. They found a lender that would refinance my crazy high interest loan to 3.4%. I have fair credit but have never been late on payments and have a solid history. My payments went from $550/month to $340/month without extending my loan. This has saved me thousands on my car loan. 

They took care of everything. All I had to do was sign some documents and mail the paperwork back. Very easy transition! My representative was very easy to work with and very helpful. 

Would absolutely recommend this company to anyone looking to refinance! 

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Most Helpful Negative Review

Dec 15, 2016
Did refi but 4 Hard Inquiries on Credit
PreacherDaveTX Borrower

IFS does not actually fund anything.  They are just a broker.  I thought they would only run my credit once, but each of the lenders they approached ran my credit. I was successfully able to refi and cut my interest rate in half, but it actually lowered my credit score almost 30 points because of the 4 hard inquiries, and those will take a couple of years to fall off.  I likely could've gotten the refinance elsewhere and not had all of the inquiries.

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These reviews were written by current and former borrowers in the last year.

Jun 26, 2017
Lowered My Payments and Interest
LTDean72 Borrower

I had a very positive experience. My payments decreased by 1/4. I now owe $3K less. The agent walked me through every set of the process. I am very happy with my experience. 

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Jun 27, 2017

Thank you for sharing your experience! Auto loan refinancing outcomes like this are what we work for every day.

Jul 24, 2017

Is the process online only?

May 23, 2017
Great loan, easy process

Jerry was very helpful and attentive. He answered all my questions and was always there when I needed him. I highly recommend

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1 Reply
May 24, 2017

Thank you for sharing your experience! If we can be of assistance in the future, we would like the opportunity to re-earn your business.

May 23, 2017
Fast Easy Affordable.

Had the absolute pleasure of working with Joshua at IFS. Filled out a basic " see if you qualify" form and next thing I know Joshua is calling me telling me he got me a loan that is saving me just about 20% APR. I am considered "New Credit" and am working on buidling my credit score up, but Joshua was able to find me a loan that will save me thousands in interest. Everyone I spoke with at IFS was professional, polite, and very easy to communicate with. They answered all my questions quickly and honestly. Overall a great experience. I would recommend IFS to anyone. 

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1 Reply
May 23, 2017

Thank you for your business and for sharing your experience! Please let us know if we can ever be of assistance in the future.

May 19, 2017
Helpful and fast
marylblood Borrower

Very quick response time, answered all my questions, and ultimately saved me over 100 a month on my car loan. Very pleased.

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1 Reply
May 23, 2017

Thank you for sharing. We appreciate your business!

May 09, 2017
Cut my interest rate more than in half!
Anonymous Borrower

I had be contemplating refinancing my car for about a year now. Once I saw how great they had been review, I decided to give it a shot. They did not disappoint! I was apple to get two great offers for refinancing, one not even requiring a down payment. I saved literally thousand on my car note! 

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May 23, 2017

Thank you for sharing your experience! Auto loan refinancing outcomes like this are what we aim for every day. If we can ever be of assistance in the future, please give us a call.

Jul 26, 2017

If i decide to refinance my car do am I required to put a down payment? Not really sure how this works. But maybe I can get my 10% interest down some. Thanks!

May 04, 2017
This was a non painful loan experience.
grantrgrant Borrower

This auto loan refinance experience was handled in a professional and effective manner. Thanks to Ms. Victoria Colon!

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1 Reply
May 04, 2017

Thank you for your business and for sharing your experience!

Apr 28, 2017
Infinitim37 Borrower

The whole process of refinancing my auto loan through IFS was extremely painless and easy.  The entire process was done through email and over the phone and with Jeff's excellent customer service I was able to lower my monthly payment, as well as drop my extremely high interest rate a huge amount.  Jeff and his team at IFS thoroughly explained every step to me and always kept me informed on what was next.  I would highly recommend their services to friends and family.  Thank you again!

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1 Reply
May 01, 2017

Thank you for sharing! We are so glad that your new auto loan meets your expectations.

Apr 12, 2017
Auto Refinancing - Saved Money!!!
JozHemp Borrower

I worked with Andres and he was very professional.  He walked us through the process every step of the way.  He was kind and very patient with all the questions I had.  He saved us money with the lower interest rate and the reduced amount of time we have to pay.  Highly recommend!!

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1 Reply
Apr 13, 2017

Thank you for sharing your experience! Outcomes like this are what we work for every day. We appreciate your business!

Apr 06, 2017
4 hard Credit checks
Anonymous Borrower

Stay clear, all they do is run a hard credit check, then take your info and go to three banks and have them run a hard check as well, so its 4 total one unneeded and another was from my bank who wouldnt have done a hard check since I bank with them, overall two wasted checks it took my score down 30 points! and they dragged their feet EVERY step of the way, I tried to contact my "agent" and it would take days and it was like pulling teeth trying to get ahold of them and when I did they gave no time frame of when the loan would be complete, if you have good credit do NOT use these guys just skip the middleman.

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Apr 11, 2017

Thank you for taking the time to provide us your experience. It is our policy to investigate all claims like this, but unfortunately, we are not able to directly address your concerns based on the information we gathered from your review. It is unlikely our inquiries caused such a dramatic drop in your credit score, so we encourage you to pull your free credit report to determine if there is another issue that may have caused this. You can do that on this website: While pulling credit reports is part of every loan process, it is IFS policy to only do so if we feel we may be able to match customers with a loan that may improve their situation. We hope this information is helpful to you. If you have any additional questions about your loan application specifically, please contact us at We would be happy to connect you with a manager who can help you.

Aug 12, 2017

What banks did they do the inquiries with?

Mar 31, 2017
I had a great Experience.
Kimesha17 Borrower

They do appy for loans through other companies, however they up front about the proccess and how it will affect you. They answered all of my questions and also gave future projection costs for different financial scenarios. Geoff was there every step of the way.

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1 Reply
Apr 03, 2017

Thank you for sharing your experience!

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