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 save you the most money.
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 the best qualifying 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 the best loan for you, your loan documents will be available for review in your secure customer dashboard or delivered to your door via UPS. 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.
Dillon
Very easy to work with and did a great job!!!
Evelyn
Courteous, efficient, quick and successful! Highly recommend.
Milton
Quick Quick, easy, fantastic people. Ann McKinley was very helpful and made sure I understood every step of refinancing my car. rateGenius kept me up to date on every phase of the loan. I would highly recommend them if you need a better rate on the car loan you have. I saved over $50.00 per month. Very happy.
Derek
Auto refinance I was skeptical at first, thinking that it was gonna be a waste of time but I was dead wrong! My loan officer was amazing and talked through all options with me. I found a credit union willing to refinance my car at 4% lower decreasing my payment and term. The process was complete and funded as well as my prior loan paid off in 2 weeks! I will def recommend your services to others and use you in the future. Thanks again!