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



on Google

I swiftly secured a lower rate, experiencing excellent customer service and a personalized touch. Thanks



on Google



on Google



on Google

Happy with the refinancing deal I got with them. Thanks Daniel and Rategenius



on Google

Great people to work with. They made everything so easy to get through. Kept me updated the entire time. Easy to get ahold of. So glad I found them!



on Google

Rob was awesome and made the process pretty easy. Thank You!



on Google

Great customer service! Representative responded to my call and text ASAP & was very informative!



on Google

I used rategenius and the process was very streamlined. Their finance experts were able to significantly lower my interest rate. The process was very quick and their experts were very knowledgeable and easy to work with. I highly recommend them to anyone considering refinancing their auto loan.



on Google

Fantastic experience from start to finish. Super professional and very, very helpful staff. Big shout out to Jenna M for making is all happen!



on Google

Great service Thanks to Keith .

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!