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
Melissa
Very easy process and Rachel answers all of my questions in a timely manner!
Dylan
Patrick helped us refinance our vehicles and made the process smooth and easy to understand. The process was fairly quick and we are grateful thank you again.
Silvia
Nick Aldieri was Awesome he explained every step and very helpful! Very happy I decided to go with Rate Genius for help in refinancing my car!
sakasse
Perfect staff and so patient with me good communication
Jared
Anthony
My experience was very good. Mrs Renata was awesome and very helpful. She guided me through the whole thing
Jamiee
Melissa helped me and didn’t skip a beat. Kash also stepped in while she was in a short leave and helped make sure my approval wasn’t delayed. Thanks to you both!
April
Sandra was absolutely amazing at finding me a better offer for my car loan than what I currently had. She walked me through every process and step ensuring I understood each document and requirement!
Denny
RateGenius was quickly responsive and very helpful in getting my refinance completed fast!
Karen
Nahin took care of everything, quickly, efficiently, and completely so my car loan refinancing was smooth and stressless. Highly recommend this company and Nahin if you can request him.
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!