Auto Refinance, My Experience with ILending.... Just to possibly save someone else who may be considering refinancing, do not respond to the letters offering you a refinance with a much lower rate or payment! Or at least be weary. I responded due to them telling you there is no hard pull of credit. Well, the guy didn't really share with me regarding what the actual interest rate was or how it would affect length of time of loan. So there is essential a hard pull of your credit before they really tell you anything! Not only was it NOT what they sent me in the mail, but even though they got me approved for 2 percent less than what I have now, the payments went UP $5 and the duration of the loan was the SAME as what it is with my current finance company!!! When questioned, he just said I would still be saving money because I would get a GAP coverage refund (yes, ya'll, this was with me not getting GAP coverage!) of $600 and would be missing a monthly payment.…