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
Carina
Mary
I highly recommend rateGenius. They were quick and easy and great communication and follow through til the end of my refinance. I worked with Jeff who was excellent. Very happy customer.
Michael
What an amazing experience from start to finish I strongly suggest this company changed my life Kirk Nelson did all he said he would followed through great communication
Michael
Eric
Dennis was outstanding throughout my refinancing process. He was very attentive and helpful, making sure I understood each step along the way. His communication was excellent, keeping me updated and informed at all times. I truly appreciated his professionalism and guidance, which made the entire process smooth and stress-free. Highly recommend working with Dennis!
Jori
Solomon was extremely helpful and kind! He has made this process so easy and stress free!
Julz
James went extra mike to help me refinance my car. Very nice and respectful guy. Highly recommend.
Ravenous
akhil
Monica
Twila was the greatest very attentive working with her. I would recommend Rate Genius. She kept me informed every step and very knowledgeable.
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!