We ensure you get the best rate for your loan
Easy to Apply
It only takes a few minutes for you to submit an application online.
More Options
Our vast network of lenders offer a range of qualifying rates and payments.
Lower Payments
We compare all offers and find the one that will best fit your needs.
Find My Rate
Check out our three-step auto refinance process to learn how easy it is to save money with RateGenius.
1Applying for Refinance
It only takes a few minutes to submit your application online or over the phone by calling toll-free at 866-728-3436.
You will need some general information about yourself, your current lender, and the vehicle you plan to refinance. Please have the following information handy when applying:
- Name of current lender
- Current monthly payment
- Make, model, and style of your vehicle (i.e. Honda Accord EX)
- Your vehicle’s current mileage
- VIN Number (optional but helpful)
- Address
- Phone number
- Email address
2Choosing your New Loan
Once your application is complete, our technology and team will work quickly with our lender network to find an interest rate and monthly payments to fit your needs. If approved, you will be immediately contacted regarding your offer by phone, email, and text.
3Completing the Refinance Process
After RateGenius finds a new loan for you, your loan documents will be available for review in your secure customer dashboard or delivered to your door via FedEx. Upon reviewing the details of the contract with your loan specialist, you will sign the appropriate paperwork and return it to RateGenius electronically or via the pre-paid postage envelope. Once your loan package is complete, RateGenius takes care of the rest. We will:
- Payoff the remaining balance of your old auto loan to your former lender
- Transfer the title to your new lender
- Transition you to your new lender
That’s it. Just three easy steps to save on your auto loan!
What Our Customers Say
People love RateGenius because it saves them time and money.
Maya
This was a very easy process. The person I worked with, Mike Phillips, was stellar! His excellent communication, prompt responses, knowledge to easily explain anything I didn’t understand, kind & pleasant demeanor are greatly appreciated. He’s an asset to your team for sure.
ken
Everything was explained and rep was very professional and helpful
Jennifer
It was a pleasure working with Jennifer Hutta! From the beginning she made a sometimes scary and frustrating process very light and manageable! Great communication and worked through the process every step of the way til close! I never had to wait for what to so next, she kept me informed proactively! That was the best experience I have ever had refinancing a vehicle! Top notch service 10/10 💗💗💗
Christina
Hayley was very thorough and communicative during the entire process. If I had questions, she got the answer, there was no second guessing. She made the process as easy as possible. Thank you Hayley!! You put me at ease. ♥️