Vehicle financing through a car dealership may not offer the most competitive rates available to you. But here’s good news: you can explore better offers immediately after purchase.
Drivers trust RateGenius for exceptional service & savings
4.9 Stars
4.7 Stars
Recent Car Buyers:
Did You Know?
Yes, You Can Refinance a Brand-New Auto Loan
Contrary to what you may hear from car dealers, you can replace an auto loan almost immediately after closing; there’s no required waiting period.
Plus, you can apply multiple times for the same type of credit product, like an auto loan, within a 45-day period, and credit bureaus view those as a single hard credit inquiry.
So if you just bought a car, act fast and check you got a good deal on your auto loan. RateGenius can help.
Why Choose RateGenius
to Refinance Your Auto Loan
More Options.
RateGenius has built a nationwide network of 150+
financial institutions specializing in auto loans, giving you
access to a competitive marketplace, more potential
offers and savings opportunities on your vehicle financing.
Big Saving, Delivered.
Refinancing a costly auto loan can create valuable space
in your budget. And customers who refinance through
RateGenius lower their monthly car payments, on
average, by $101* per month.
20+ Years of Expertise.
RateGenius has helped drivers make car ownership more
affordable since 1999, with over 400,000 loans funded. Our
staff of experienced loan specialists are here to guide you
through the refinance process.
The Process Is Simple and Fast
- APPLY IN MINUTES
Complete a loan
application online or
call 1-866-728-3436.
- REVIEW OFFERS
We bring customers refinance
opportunities from a nationwide
market place of lenders.
- CLOSE AND SAVE
Finalize your loan online or have
the paperwork delivered.
What Can Auto Refinancing Do for You?
- Lower monthly payment
By refinancing, you can often get a lower monthly payment, which frees up cash in your budget and enables you to put more of your money toward what matters most.
- Lower interest rate
If your credit score has improved since you took out your auto loan and/or prevailing interest rates have dropped, then you may be able to take advantage of a lower interest rate through a refinance, which can save you money over the life of the loan by decreasing how much you pay in interest.
- Payoff your loan faster
Some drivers opt to refinance because they want to accelerate the loan payoff. This type of refinance increases your payment but puts you on the fast track to full car ownership.
Customers Love RateGenius
Drivers have awarded us 4.9 out of 5 stars across more than 11,000 certified customer reviews.
Lauren R.
on Credit Karma
"This Company is great. Fast approval and service. They had my loan refinanced within one week!"
Roger Recommended on Facebook
"WOW ! Rate Genius is awesome and searched the NATION for the best rate for me. I highly recommend. "
"This Company is great. Fast approval and service. They had my loan refinanced within one week!"
Lauren R.
on Credit Karma
"WOW ! Rate Genius is awesome and searched the NATION for the best rate for me. I highly recommend. "
Roger Recommended on Facebook
Ready to lower your monthly car payment?
If your current auto loan doesn't work for your budget, or you're simply curious if a better deal on vehicle financing is out there, RateGenius is here to help.
We help people save money on their auto loans with a network of 150+ lenders nationwide.
* This value was calculated by using the average monthly payment savings for our customers from January 1, 2023 through December 31, 2023.
We help people save money on their auto loans with a network of 150+ lenders nationwide.
* This value was calculated by using the average monthly payment savings for our customers from January 1, 2023 through December 31, 2023.