Tresl Auto Refinance and Lease Buyout Loans: 2023 Review
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Auto loan reviews

Auto loan refinancing
Auto lease buyout loan
The bottom line:
Best for applicants who want to see pre-qualified offers and rates without affecting their credit scores. Bad- or fair-credit borrowers may qualify.
Auto loan refinancing review

Not yet rated
on Tresl's website
Pros
Applicants can prequalify with a soft credit check.
Application process 100% online including document upload.
Minimum loan amount is lower than other lenders.
Cons
Borrower unable to choose loan payment date in most cases.
Some partner lenders charge application fee.
24-month loan term not offered.
Best for applicants looking for hands-on help with the refinancing process from beginning to end. Applicants with bad or fair credit may qualify.
Full Review
Tresl, formerly Innovative Funding Services, is an auto loan aggregator that has been in business since 2007. Tresl partners with 20-plus lenders to provide auto loan refinancing and car lease buyout loans. It does not offer dealer purchase loans.
Tresl applicants can receive pre-qualification offers and rates based on a soft credit inquiry, which will not affect their credit scores. A Social Security number is not required to see pre-qualified offers. According to Tresl, applicants see offers for various auto term lengths and can select the one that fits their needs.
After applicants select a pre-qualified offer, they meet with a dedicated Tresl finance advisor to secure full loan approval, which includes a hard credit inquiry. Usually, Tresl seeks full approval from one to three lenders, but the number varies.
Tresl may be a good fit for those who:
Want to compare rates: Pre-qualification with a soft credit check will not affect applicant's credit score.
Need assistance with loan process: Borrowers can receive help with loan approval and any title transfer paperwork from a Tresl finance advisor.
Prefer online application process: Tresl's application process is 100% digital.
Tresl at a Glance
Note that aggregators like Tresl work with many different lenders, so the information provided is general and can reflect the high or low end available among its lending partners.
How does this loan compare?
Est. APR1.49-17.99% | Est. APR3.39-22.00% | Est. APR1.75-21.00% |
Loan amount$5,000-$100,000 | Loan amount$5,000-$100,000 | Loan amount$12,000-$100,000 |
Min. credit score580 | Min. credit score550 | Min. credit score500 |
Auto lease buyout loan review

Not yet rated
on Tresl's website
Pros
Applicants can prequalify with a soft credit check.
Application process 100% online including document upload.
Tresl matches applicants to best loan offers from lender network.
Minimum loan amount is lower than other lenders.
Cons
Borrower unable to choose loan payment date in most cases.
Some partner lenders charge application fee.
24-month loan term not offered.
Best for applicants who want guidance through the lease buyout and title transfer process. Applicants with bad or fair credit may qualify.
More from Tresl
Tresl has received a 4.6 out of five star rating on TrustPilot, a business review and reputation management platform.
Tresl also provides financing for borrowers wanting to buy a company car at the end of its lease. In addition, Tresl offers “service products” that can be rolled into a Tresl loan. These products include service protection contracts, GAP insurance and road hazard coverage.
Borrowers can also take advantage of Tresl’s many educational resources, including a blog and answers to frequently asked questions.
Tresl auto loan rates
Lenders set their own requirements, but Tresl’s lowest rates are typically available only to borrowers with good or excellent credit (a FICO score of 690 and above). Borrowers with bad or fair credit won’t qualify for the lowest interest rates.
You can check your credit score before applying for a car loan.
Loan example: According to NerdWallet's auto loan calculator that uses the VantageScore credit model, a borrower with a credit score of 501-600, a $10,000 car loan, repayment term of 36 months, interest rate of 12% and $0 down payment would have monthly payments of $332.
To review Tresl, NerdWallet collected and compared more than 60 data points with other lenders that seek the same customer or offer a similar product.
Frequently asked questions
Innovative Funding Services is the former name of Tresl, a provider of auto loans through a network of lenders across the U.S.
Yes. Tresl has been in business since 2007 and is accredited by the Better Business Bureau with an A+ rating.
Personal information from applicants is shared with partner lenders to process pre-qualification requests. Applicants can opt out of receiving marketing communication during the application process. The Tresl privacy policy also states that personal information may be used to “alert you to new offerings, products and services either from us or our business partners and affiliates in which you may be interested.” A person can opt out of receiving promotional emails or postal communications by contacting [email protected]