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
Brandon
Excellent experience and a great help refinancing my truck loan.
Gary
I want to think RateGenius for giving me the car loan lower rate and I really do appreciate hard work they have done made it possible of lower payments it really help. And thank you for the good hard work you done.
John
Tara was very nice and kept me informed through out the whole process and she would contact me when she said she would.
Esther
Everything was great
Keith
john
Amazing, fast , easy
James
I responded to some snail mail that looked straightforward and compelling - my auto loan was made at the dealer and I knew it was high, so I called to see what they could do. The help was easy and professional, and they were able to save me a significant amount on my monthly payment. Highly recommend.
Brian
Very polite and patient. Always fully explained overall process and also at each step. Very professional
Dale
Jennifer was a ray of sunshine each time we spoke and so helpful during the entire process!
Kathy
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!