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
Jesus
Steven
They helped me save over 400$ a month on my truck thanks !
Ahmir
Chris was awesome to work with! He provided great insight, was patient throughout the process, and helped cut my APR nearly in half. Keep up the great work! Best Regards, A.J.
Torry
Helped out very well.
adriana
Had a great experience with Josh LaTour. He helped me with everything that I needed and got a prefer. My refinance.
D
Samiul was friendly, helpful and got the process completed quickly! Definitely recommend.
Al
Called for a refinance and was pleased not only did they get me a better loan deal but also a shorter term and a lower percentage rate I’m pleased thank you
Clarissa
Quick and easy! Friendly service too, Haley was awesome to work with!
J
I had no hassel,helped me with everything We're happy for everything Thanks for awesome service!!!
Eric
Melissa! Melissa ! Melissa ! … please don’t forget that name . This is the most exhilarating feeling I’ve experienced. She is so flawless, astute and expeditious response, it was very astonishing to me I had to stop and pay her my full attention. Melissa help me refinance my automobile loan. I am so grateful for all your hard work . Thank you .
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!