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 our secure customer portal 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.
melanielo76
The experience was quick and easy.. This process was simple and quick. Everything that was promised was delivered.
Jeanne R. Kertis
Great customer service. Quick and painless. They handled everything
Christinakp2
Convenient, speedy and affordable The agents were thorough and expedient. They were friendly and honest. Definitely not what I have experienced with other places.
Ficole
Fast and Friendly I loved my exoerience with Rate Genius. They were so quick, informative, friendly, and patient with me getting the needed documents. The process with them was stress free. The only negative experience I have had has been with the company they refinanced me with. It is a lower monthly payment and lower APR, which is great and exactly why I refinanced, but their website and app are not the easiest to work with. That has nothing to do with Rate Genius, so I highly recommend using them!
