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 save you the most money.

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 the best qualifying 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 the best loan for you, your loan documents will be available for review in our secure customer portal or delivered to your door via UPS. 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.



Fast smooth, and easy. Worth the effort



Simple Process!! This loan was so easy to apply for. I had been dreading trying to refinance my car, because I hate the paperwork and trying to find a place that I will more than likely be approved, so I don’t have a bunch of hits on my credit. With this place, you do the application, then they do the rest of the work. Then found me an awesome lender, lower payment, and half of the interest rate of what I had. I worked with Tre Sullins and he was awesome. So easy to talk to, very kind, and explained the details. He also provided me with his direct line and email, so I was working with him any time I had questions or concerns. Look no further that this place!!



Once all my info was submitted communication kinda lacked as far as status updates. But other than that all went smoothly and the rate was great.



on Google

Very helpful and professional from start to finish!!! Got me a very good rate and help me find cheaper auto insurance too..... highly recommend