RateGenius is committed to maintaining your privacy while refinancing your vehicle for the best possible interest rate. The information you provide is securely entered and guarded by RateGenius. If you have questions or concerns regarding this privacy statement, you should call us toll-free at 1-866-728-3436.

The Application

To refinance your car, truck or SUV with RateGenius, you must first complete a short application either online or by phone. You will need to provide a small amount of general information regarding yourself, your current auto loan and any person signing as a co-applicant.

Personal information such as your full name, contact information, birth date, and social security number are required to protect you from fraud and identity theft as well as to access your credit history. You also need to provide employer information and income figures regarding your gross monthly income; Data from your existing loan such as the original loan amount, current interest rate, monthly payment and lien holder; Plus information on the vehicle itself such as year, make, model and style (i.e. 2004 Honda Accord EX).

Once you have submitted an application, RateGenius will begin the process of finding you the best possible interest rate from our enormous lender base. Your information is not sent to each lender in our network for review. Instead, your credit profile and needs are matched to the borrower profile established by our lenders and sent to those lenders first.

By submitting an application to RateGenius, you consent to the use of your credit report for the purpose obtaining a credit offer from one of our participating lenders.

Use of Collected Information

RateGenius only collects the most pertinent information necessary to respond to your request for refinancing your auto loan. We only distribute this information with authorized agents or lenders within the RateGenius network, or as may be required by federal or state law or by court order. In addition, we may disclose the information we collect as described above to companies that perform marketing services on our behalf, or with which we have joint marketing agreements.

Otherwise, RateGenius will not sell or share any personal information in regards to yourself or with any person and/or organization without your authorization.

The lenders in our network and employees of RateGenius have restricted access to provided information regarding your auto refinance.

Links within the RateGenius site may take you to third party sites that are governed by their own privacy policies. When your use links to visit these sites, RateGenius' privacy policies are no longer valid.

The Use of Cookies

RateGenius uses cookies to store a unique user identifier (i.e. your user name). A cookie is a small data file that contains information such as a User ID. The data is written to your hard drive and is accessed each time you visit the site. Although, the only personal information a cookie can record is information you supply yourself, RateGenius uses this ID to identify you anonymously in our database. The cookie is also required to reach certain parts of the RateGenius site and is used to personalize the site for you. A cookie cannot read data off your hard disk or read other cookie files created by other sites that you visit.

Description of RateGenius

RateGenius is headquartered in Austin, Texas and is licensed as a registered lender with the Texas Office of Consumer Credit Commissioner and a proud member of the Better Business Bureau. All lenders in the RateGenius network are well established FDIC-insured banks, thrifts or licensed lenders.

Choices Regarding the Collection, Use and Distribution of Your Information

It is important to remember that you have absolute control over the amount of personal information collected on this site. When you click on "Save" at each step in the process, you affirmatively consent to RateGenius' collection of information for the application process.

As noted above, RateGenius will only share your information with authorized agents and network lenders; or as may be required by federal or state law or by court order. You will also be given the opportunity to consent to the use of your information for any other purposes.

As RateGenius continues to develop, it may sell or purchase other companies and/or assets. In such transactions, customer information is generally included in the transfer of business assets. In the unlikely event that RateGenius or substantially all of its assets are acquired, customer information will be one of the transferred assets.

Revising or Deleting Your Information

You can at any time review, revise and/or delete the personal information that you have provided to RateGenius by contacting customer service at 1-866-728-3436.


RateGenius reserves the right, at any time, to add to, change, update, or modify this Privacy Policy by posting such change, update, or modification on the Web site. Any such change, update or modification will be effective immediately upon posting to this site.


Please note the link to Experian's privacy policy, rateGenius' digital advertising and marketing partner: