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.
Melissa
While it was easy to find the best rate… I felt I could never contact directly with the person you were working with as it always went straight to voicemail (it would never even ring so you knew it was set to go to voicemail). I felt like I was the one always following up for information because they state it would be by end of day, but then you didn’t hear by end of day so you had to contact again the next day and then you didn’t hear anything for a day or two and then I’d send another email with no response and then I would receive a text the next day regarding my emails. The communication was lacking, but overall the process was easy!
D.
Solomon was great to work with. He was very professional and answered all of my questions and concerns TY for a great experience , it was a pleasure doing business matters with him.
Abby
Very simple, very fast, very glad I refinanced!
Alexander
Franklin at RateGenius is very courteous and friendly. He assisted me with professionalism and attentiveness in every step of the way. If anyone wants to re-finance, ask for Franklin at RateGenius. Excellent job, Franklin ! Thank You !