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
Heather
Rick was fantastic to work with. He kept me informed at all times and kept working on getting me the best deal possible. I would highly recommend them.
Jason
Saved me a lot of money. Had no idea how much I was getting screwed by my previous lender.
Sheree
I was very apprehensive about even trying to refi my car. I’m older and have difficulty trusting things done online or by text. I’m so glad I gave RateGenius a try. The process was easy. When I had any questions, I still had the ability to reach out to Diane and she was always prompt and helped this technology poor lady all the way through. My interest was lowered from my original lender and my monthly payments went down about 25%. I also appreciated the no hard tactics. I was never pushed into making a decision. Now with the lower payments and interest, I can pay off my car much sooner.
Laine
Cristiana
AMAZING CUSTOMER SERVICES! Solomon Jackson was always there for me answering calls, he very respectful and professional! Thank you so much!
Damon
My agent Dennis made everything super easy for me to refinance my car. I went into it thinking it was going to be much more difficult but he made everything so easy. I would definitely go with them again!
Trevor
I was able to refinance my auto loan with a lower monthly payment and lower APR then what i had. Patrick Kennedy and his team are truly amazing. Would highly recommend
Evan
Gabrielle has been incredibly helpful and professional despite me being difficult to reach at times due to my rural location.
Ronald
Evon
Very informative, patient, and confident in his expertise ! Will recommend to others
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!