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


The Nathan

on Google

Rob was extremely helpful with helping me refinance my vehicle.



on Google

An excellent experience getting my car loan refinanced. I worked with Leah, and she was amazing! She was incredibly patient and helpful, and got me exactly what I needed. Highly recommend.



on Google



on Google

Megan was amazing from the beginning to the end. She answered all my questions . This was my first refinance ever and she made the transition so smooth for me . Thank you



on Google



on Google

Easy experience and friendly service



on Google


Yung N

on Google

Darius Cole was amazing throughout my whole refinance process. He worked with me and helped me get through the process grateful for him.



on Google

Tev was amazing at helping me refinance my vehicle. She was very good at explaining everything and walking me through the process. She made things very easy and it was a pleasure working with her. I'm glad that I can now rest easier with my new lower monthly payment.



on Google

RateGenius was absolutely amazing! Worked with me every step of the way and kept me updated on what was going on. It was really easy to get in contact with them as well, which is often hard with my work hours. If you considering refinancing I’d highly suggest doing it through them, they are super transparent and explained the things I didn't understand. P.S. If you get Aaron your in great hands!!

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!