Terms of Use

RateGenius saves you the hassle of finding the best possible interest rate for your current auto loan. We do the "shopping" for you by working with over 40 different banks and credit unions from throughout the country. Through our relationship with those lenders, we can refinance your auto at a lower rate and save you thousands.

The road to a better auto loan begins with a short application. The information necessary to refinance your car, truck or SUV is secure and never sold or shared to a party outside the RateGenius network. You can submit an application by phone toll-free at 1-866-728-3436 or you can apply online.

By submitting an application through RateGenius, you are agreeing to the following terms and conditions. If a joint application is filed, these Terms & Conditions apply to each of the applicants equally:

  • You represent that the information which you have provided in the application process is true and complete and that you are over the age of 18 and have the power and authority to enter into and perform your obligations under any credit arrangement that may be offered;
  • You acknowledge that you may withdraw your application at any time;
  • You authorize RateGenius to pull your credit report for the purpose of soliciting an offer to finance your loan from our lender network;
  • You authorize any lender to which RateGenius has submitted your application for credit to pull your credit report in order to evaluate your application;
  • You consent to the sharing of the information you have provided in the application and any credit reports obtained by RateGenius with the lender network;
  • You acknowledge that RateGenius and its lender network may retain your loan application information in order to comply with certain federal and state laws and regulations;
  • You acknowledge that you have read the RateGenius Privacy Policy and Security Statement;
  • You acknowledge that RateGenius does not guarantee that a lender will make you an offer to finance your loan;
  • You acknowledge that RateGenius does not guarantee that a lender will finance your loan at specific terms and conditions, including a specific interest rate;
  • You acknowledge that RateGenius is not responsible for any errors or delays related to your application caused by incorrect information provided by you or other technical problems beyond our reasonable control;
  • You may consent to receive notices electronically and agree to receive such notices at RateGenius' Web site. These notices may include privacy notices and information required by the Equal Credit Opportunity Act;
  • You acknowledge that the services offered by RateGenius are available only to residents of, or secured by collateral located in, those states where RateGenius is licensed (if licensing is required) and those states where our participating lenders are licensed or authorized to make such loans. For more information about where RateGenius is licensed (if licensing is required), see our Disclosures page;
  • You acknowledge that under no circumstances will RateGenius be liable to you or to any other person for any indirect, incidental, consequential, or punitive damages arising out of or relating to this agreement. Your sole and exclusive remedy hereunder will be for you to discontinue your use of our services and terminate this agreement; and
  • You acknowledge that this agreement shall be subject to the laws of the State of Texas, excluding its conflict of law principles.