We ensure you get the best rate for your loan
Easy to Apply
It only takes a few minutes for you to submit an application online.
More Options
Our vast network of lenders offer a range of qualifying rates and payments.
Lower Payments
We compare all offers and find the one that will best fit your needs.
Find My Rate
Check out our three-step auto refinance process to learn how easy it is to save money with RateGenius.
1Applying for Refinance
It only takes a few minutes to submit your application online or over the phone by calling toll-free at 866-728-3436.
You will need some general information about yourself, your current lender, and the vehicle you plan to refinance. Please have the following information handy when applying:
- Name of current lender
- Current monthly payment
- Make, model, and style of your vehicle (i.e. Honda Accord EX)
- Your vehicle’s current mileage
- VIN Number (optional but helpful)
- Address
- Phone number
- Email address
2Choosing your New Loan
Once your application is complete, our technology and team will work quickly with our lender network to find an interest rate and monthly payments to fit your needs. If approved, you will be immediately contacted regarding your offer by phone, email, and text.
3Completing the Refinance Process
After RateGenius finds a new loan for you, your loan documents will be available for review in your secure customer dashboard or delivered to your door via FedEx. Upon reviewing the details of the contract with your loan specialist, you will sign the appropriate paperwork and return it to RateGenius electronically or via the pre-paid postage envelope. Once your loan package is complete, RateGenius takes care of the rest. We will:
- Payoff the remaining balance of your old auto loan to your former lender
- Transfer the title to your new lender
- Transition you to your new lender
That’s it. Just three easy steps to save on your auto loan!
What Our Customers Say
People love RateGenius because it saves them time and money.
Christina
Melanie was amazing to work with. I've tried a few times to refinance, but got super frustrated with either the people, lack of communication, or a super tedious process. Melanie communicated with me every step of the way and made the process easy. 😊
Md
We had already survived two relationship crises before this. I didn’t want to believe there was a third. The difference this time was the level of digital sophistication. Burner accounts. Alternate emails. Hidden messaging apps. I eventually reached out to Cyberh4cks.com via Telegram (+1 551 414 8634, @cyberh4cks). What impressed me most was discipline. They didn’t try to “break into” anything. They analyzed what was already legally accessible and built a behavioral profile. The disturbing thing? The precision of the deception. Three separate identities. Different personalities. Different tones of voice. And yet, the same writing quirks gave it all away. I wouldn’t wish that experience on anyone. But if you’re stuck in that nightmare, having professionals who know how to untangle it matters.
Corey
So far everything has gone smoothly. Still not done with the refinancing process but I'm positive everything will turn out more than great.
Steve
Rate Genius was a fast, efficient service that saved me lots of money on a vehicle that I made a very poor deal on initially at the dealership. They cute my rate in half and save me over 33% on my monthly payment. Communication was consistent and the entire process literally took only days to complete.