IJLfinancial

What IJLfinancial does

IJLfinancial, Inc. is a privately held Idaho-based consumer finance company founded on January 15, 2014, by a management team with prior experience at major US banks. The company began providing financial services on August 15, 2014, and operates from a single retail storefront at 907 Caldwell Blvd in Nampa, Idaho, serving only Idaho residents under Idaho state law.

The core product is auto title-secured lending, offered as both single-payment vehicle title loans and longer-term installment loans (terms up to three years or longer), with loan sizes ranging from $300 to $75,000 and APRs from 6.25% to 151%. Underwriting is performed by in-person Credit Managers without credit checks, targeting sub-prime and no-credit borrowers including ITIN holders, self-employed individuals, and resident aliens who have been declined by traditional banks. Supporting services include a $100 customer referral program, a statewide rate match policy, and free "Road Map to Prime Borrowing" financial coaching. The company also sells callable, 6-month, and 1-year investment notes to retail investors as a non-FDIC-insured funding source, accruing monthly like a bank CD.

The revenue model is primarily transaction-based interest income on title loans, supplemented by investor note funding costs, with no disclosed headcount beyond 1-10 associates. Distribution is omnichannel-lite: a basic website for inquiry capture, organic social presence on Facebook, Instagram, LinkedIn, and Twitter, and a single physical store for final approval and funding. There are no disclosed patents, awards, third-party certifications, AI/ML capabilities, funding rounds, M&A activity, or named institutional customers, and the management team is not publicly identified in the source data.

Name

IJLfinancial

Legal name

IJLfinancial, Inc.

Website

https://ijlfinancial.us

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

IJLfinancial is a privately held Idaho consumer finance company that provides auto title-secured loans and installment loans to sub-prime borrowers in Idaho, operating from a single Nampa storefront with supplemental retail investor notes.

Ownership category

akta.pro rank

Product category

Auto Title Lending / Consumer Lending

NAICS

Sales Financing (52222), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro primary industry

Subprime Installment Loans (Non-Prime Personal Loans) (FSAKAOAA)

akta.pro secondary industry

Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)

Keywords

• Auto title loans
• Vehicle secured lending
• Installment loan services
• Subprime auto financing
• Investor note products

Headquarters

HQ city

Nampa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Auto Title Loan Interest: Primary revenue from interest charged on auto title secured loans. Interest rates range from 6.25% to 151% APR depending on borrower profile and loan terms. No credit checks affect rates. Interest accrues daily. No pre-payment penalties allowing early payoff.
2. Investor Note Programs: Company offers investment products to investors: callable notes, 6-month notes, and 1-year notes. Interest paid monthly, accruing like a bank CD. Higher rates than traditional CDs. Not FDIC insured; investors may lose value.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

IJLfinancial is a private Idaho-based consumer finance company that provides vehicle/auto title-secured loans and installment loans to sub-prime and no-credit borrowers, allowing customers to borrow between $300 and $75,000 while retaining use of their vehicle. The company also offers investment note products (callable notes, 6-month notes, and 1-year notes) to individual investors, with interest paid monthly.

Product overview

IJLfinancial is a finance company offering auto title-secured loans. The core products consist of Vehicle/Auto Loans Secured by an Auto Title and Installment Loans Secured by an Auto Title, both using the borrower's vehicle as collateral while allowing them to retain the vehicle. The company also offers investment products (callable notes, 6-month notes, and 1-year notes) for investors. Additional services include a referral program with $100 rewards, a rate-match policy to beat competitor pricing, and free financial coaching to help customers transition from sub-prime to prime borrowing. The company operates exclusively in Idaho, serving customers with limited credit history or poor credit who need quick access to cash.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle/Auto Loans Secured by an Auto Title Loan product where the lender holds the borrower's vehicle title as collateral while the borrower retains use of the vehicle. Loans range from $300 to $75,000 with APR from 6.25% to 151%, available to Idaho residents including sub-prime and no-credit borrowers.
• Installment Loans Secured by an Auto Title Long-term loan product secured by an auto title with payment plans extending up to three years or longer. Offers no pre-payment penalties, allowing borrowers to pay off early without fees. Designed for Idaho residents needing extended repayment terms for bills, vehicle repairs, medical payments, or debt consolidation.
• Investment Notes

Quantifiable outcome

• Fast approval process completed in under 45 minutes
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Participating LenderscoreChannel Partner/ Reseller/ DistributorNetwork of lenders that participate in the company's platform to provide loans to customers. Company shares PII with these lenders to analyze customer information for loan eligibility determination.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• ACE Cash Express: Multi-product subprime consumer lender with title loans, installment loans, and payday loans across U.S. retail locations. Directly comparable on product set, customer, and store-based distribution.
• TitleBucks: Regional auto-title lender focused on subprime borrowers across multiple U.S. states. Highly comparable to IJLfinancial in product, collateral structure, and customer segment.
• World Finance: Subprime installment-loan company serving non-prime borrowers via U.S. retail branches. Direct comparable on store-based distribution, subprime customer, and installment product design.
• Speedy Cash: Subprime consumer lender offering title loans, installment loans, and payday loans to non-prime customers. Comparable product mix and direct-to-consumer GTM to IJLfinancial.
• Mariner Finance: Subprime consumer installment lender with a multi-state U.S. branch network. Comparable customer segment, installment product, and branch-based direct-to-consumer origination model.
• TitleMax: One of the largest U.S. subprime auto-title lenders, offering title-secured loans to customers with poor or no credit. Direct overlap with IJLfinancial's core product, customer profile, and short-term, high-APR underwriting model.
• Lendmark Financial Services: Subprime personal-loan provider offering installment loans to non-prime borrowers through U.S. branches. Comparable customer profile and installment-loan product to IJL's title-secured installment offering.
• Advance America: National subprime consumer-finance chain offering title-secured and installment loans. Direct comparable in customer segment, store-based origination, and high-APR product economics.
• Check Into Cash: Subprime installment and title-loan provider operating retail storefronts across multiple U.S. states. Comparable in target customer, product structure, and physical-distribution model.
• OneMain Financial: Largest U.S. subprime personal installment lender with a national branch network. Comparable in subprime customer focus, installment structure, and physical-retail origination model, though typically with lower APRs than title lenders.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/IJLfinancialInc
• Facebookfacebook.com/IJLfinancial
• LinkedInlinkedin.com/company/ijlfinancial-inc-
• Instagraminstagram.com/ijlfinancial

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about IJLfinancial