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
Amanda
Laura Shortt was amazing to work with! She was professional, articulate, straightforward, informative, very responsive, and took care of everything so seamlessly. I would recommend Rate Genius and especially Laura to anyone considering refinancing their auto.
Darla
Seriously the easiest refinance ever. Everything was fine via text and email. I had to get 1 form notarized and Everything was smooth dialing. Chris kept me informed of every step. Definitely recommend. I will also use them in the future.
Kary
Randle
Sales person couldn't been a nicer man very professional easygoing
Andy
Been a great experience. Quick and easy! Stress free. Sophia has been amazing!
Brigitte
Contacted them from a link in Instagram. They contacted me back al.ost immediately and got the ball rolling...only took about three weeks and processing all done. Everyone was very nice and well informed.
Jill
This was a quick and seamless process. They were able to give me a lower rate and lower payment that included gap insurance.
guesswhoisme
Took longer than I thought it would. And my credit got hit more than once. Otherwise it was good experience. I will reccomend them.
Stephen
In less than a week, they were able to refinance my auto loan for me. Easy to work with, no problems.
Jose
Laura did a great job managing the refinance loan approval process in a timely matter and helped clarify action’s remaining after the previous loan lender has received payout to receive any refunds!
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!