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
Mitch
It was a smooth process and they worked hard to get me the best deal I could get. Very thankful
Doug
Chanel
I worked with Lexi and had really amazing customer service with responsiveness. She gave me several options Of different loans and what they included to make sure that it would work with my budget.
Ernesto
The application process was easy
William
Company was great! Mr. Rick Titus was awesome to work with. He constantly kept me updated, assisted with correctly filling out paperwork and had constant communication.
Adrian
I worked with Matt to get my loan refinanced. He made the entire process super easy and stress free. Highly recommend
Janice
Rate Genius was easy to use with very few hiccups.
Mary
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Robert
I wanted to take a moment to share my recent experience refinancing my car through RateGenius. The entire process was incredibly smooth and straightforward, and I truly appreciated how seamless everything felt from start to finish. In particular, I’d like to recognize Kyle, who assisted me throughout the refinance. He was professional, knowledgeable, and made sure I understood each step along the way. His guidance gave me confidence in the process, and I felt well taken care of. Overall, I’m very pleased with how easy and efficient the refinance was, and I would gladly recommend RateGenius to others based on this experience. Thank you again for providing such excellent service.
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!