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
Samantha
Jessy was great! Super helpful
Brandon
Everything went pretty good
James
Freeway
Amazing customer service!
Jaython
Great help with Jerald miller through the whole process.very helpful and through would recommend him to anyone
Credit Karma
I was surprised how easy the process was to refinance my car loan with a much lower interest rate than I previously had. My agent was very pleasant and helpful.
Leslie
I had a really great experience with RateGenius! It was quick, Burke Harris was my person. He was very helpful. He took a day off and had someone else call me to see if I had any questions and check up to make sure I was able to get my documents sent out. It was a quick and painless experience!
Unknown
Syed Jahanzaib
I had an excellent experience working with Miguel at Rate Genius. From the start, he was incredibly professional, responsive, and knowledgeable. He took the time to thoroughly explain my options and helped me navigate the entire loan process with ease. Miguel made sure I felt comfortable with each step and answered all of my questions promptly. His attention to detail and commitment to finding the best solution for my needs really stood out. I highly recommend Miguel and Rate Genius for anyone looking for a smooth and hassle-free auto refinance lending experience!
Den
Had to go to.notary twice and paid extra fees for "remove from title" they required. It was never done and I just get runaround when I try to follow up.
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!