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

I

Ismael Denis

on Google

G

Gary

on Google

Matt was a GEM! He walked me through every step and was very thorough. Give that man a raise! The company itself saved me over $100 a month also and that’s an even bigger win. I sure hope they can do the same thing when I refinance my home.

S

Steve

on Google

M

Michael

on Google

Vast customer service and very aware of what to do...

F

Frank

on Google

The loan specialist I that was assigned to me, Robert Olsen, was fantastic. Super helpful, professional, had answers to all my questions. Rate Genius (who owns autopay) got me a new lender local to my state, at a lower APR, and is contacting the DMV for me so I don’t have to deal with any retitling processes. Can’t recommend them enough, and hopefully you’re lucky enough to get paired with an employee is awesome as Rob.

R

Rosa

on Google

G

G Ree

on Google

From the moment Brandon took over my file, the refinancing process was quick and seamless. He made sure to keep me updated on the status of the process down to the completion and took care of back end issues, feeling there was no need to bother me with the small details. I definitely appreciate the hard work and effort he put in.

E

Eugene

on Google

Excellent and quick service

A

Apinya

on Google

Thank you for your help and your knid, Roman

H

Heidi

on Google

Bill was great to work with.

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!