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.
Jonathan
Super helpful, got me a great rate, strongly recommend.
Ryan
I had an amazing experience refinancing my auto loan with RateGenius! Kara was incredibly helpful, knowledgeable, and made the entire process smooth and stress-free. She took the time to answer all my questions, kept me informed at every step, and helped me secure a much lower interest rate. Thanks to her, I’ll be saving a significant amount over the life of my loan. The process was quick, transparent, and easy from start to finish. I highly recommend RateGenius—especially if you get to work with Kara!
Mark
It was a long process, and John did a fantastic job of keeping me updated. I would use them again.
Ivy
Super easy and friendly! Phil was extra helpful and made the process of refinancing my car very easy and personal. Would highly recommend for fast and reliable service. They have saved me time and money in multiple ways and stayed on top of any necessary information and communications between myself and my lender. Thank you!!!