RateGenius Reviews
Learn why 400,000+ people have trusted RateGenius for their vehicle financing
Top ratings from thousands of satisfied customers
4.9 Stars
4.7 Stars
Decades of experience serving drivers
RateGenius has over 25 years of experience helping drivers save on their auto loan. Our team of loan specialists provides support and guidance throughout the process of securing or refinancing your car loan.
What people are saying about RateGenius
Kat
the process was super fast and easy. adam was super helpful !! super friendly and very patient for how busy my schedule was and needing phone calls at specific times !!
Allen
I am beyond Happy with the out come but most of all the service I received I could always call and was instantly greeted by name and ready to answer any questions I might would have I would recommend 110% the gentleman that handled my account should definitely get a raise with the top notch service he provided
Dalton
Outstanding service and people.
Merrilee O'Brien, award winning
Jenn, was so wonderful, helpful and knowledgeable. I felt really good working with her.
Joshy
Very helpful and effective service thank you ! ^3^
Credit Karma
Great experience, very clear the entire time and Aaron helped me a ton with the whole process which left me no questions unanswered. Highly recommend it!
Angela
Hi! I must say that at first it was a rough ride trying to get an approval. But I worked with Tev who was absolutely awesome to a fault!! They worked with me, kept me posted on every detail, didn’t bat an eye even when I got a little snarky 🤭 But overall a good experience and I’d recommend RateGenius! Shoutout to Tev🫶
Stephanie
Gerald was very polite, Very helpful, and informative. Easy to contact and he always responded quickly.
Cyn
Adam was amazing through my whole refinance process. Super helpful, thorough, and made the whole experience easy to understand. I would recommend Rate Genius to anyone looking to refinance their vehicle, and you'd be lucky to work with Adam if you do.
Darren
Common questions, answered
Is RateGenius legitimate?
Yes, RateGenius is a legitimate automotive finance company that is licensed to operate across the United States. Founded in 1999, RateGenius partners with over 150 established banks, credit unions and finance companies located nationwide to connect drivers with affordable options to meet their automotive finance needs.
What does RateGenius do?
RateGenius operates the largest nationwide online marketplace for auto loans. RateGenius gives drivers access to competitive rates on auto loan financing and refinancing, enabling them to lock in meaningful savings on their monthly payment and interest rate.
Does RateGenius have good reviews?
Across thousands of comments and feedback, RateGenius has earned overwhelmingly positive reviews from its customers! You can see for yourself what people are saying on platforms such as Birdeye and Google Reviews. The Better Business Bureau also has given RateGenius and its business practices an “A+” rating.
Is RateGenius a direct lender?
RateGenius does not operate as a direct lender. Our role is to bring together drivers seeking affordable auto financing and a network of direct lending partners. We make the process efficient by finding you the best deal we can, and handling many of the details so you don’t have to.
Does RateGenius do hard credit inquiries?
RateGenius performs a hard credit inquiry—also referred to as a hard credit pull—following the submission of a loan application. This is an important and necessary step that enables RateGenius to get drivers the most favorable and competitive terms on auto loan offers coming back from our lender network. Hard credit inquiries do appear on your credit report, but one of the benefits of working with us is that you’re accessing dozens of lenders through the RateGenius loan application, putting that hard inquiry to work!