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.

Apply for auto refinance

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

Compare auto refinance lenders

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.

Lower your car payment

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.


Amber Ly

on Google

Very helpful and friendly service that consistently kept me in the loop with what was going on with my refinanced auto loan. I was able to call with any questions or concerns I had and my agent got back to me promptly or within the next business day. Even when my loan was met with a set back where we had to fill out the forms a second time, everything was quick and easy and could be completed right from my smart phone. Definitely recommend giving this a shot if you're at your wit's end with high APRs or expensive monthly payments.



on Google

Matthew was very helpful and kept me informed of updates throughout the process. Would definitely recommend.



on Google

Great experience got me a lower interest rate. And shorten the my monthly payments Daniel was awesome.



on Google

I worked with an agent named Rob for my refinance and he made the switch between my loans crystal clear and answered any questions That I had in regards to the process itself. The last time I tried to refinance it was no where near as easy as it was this time around.