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.
mjharbert
Saved me money Very helpful. Loan officer answered any and all my questions. Saved me $100 a month on my auto-loan.
Bigjake33
Easy process very helpful staff quick and easy
lily601mandy
Easy and straight forward I applied for this loan BEFORE I read the reviews, and I won't lie, I was a little skeptical. However, the process was easy, the point of contact people took care of me, and were prompt if there was paperwork they needed. My ONLY criticism would be that there was no follow up. I had to keep calling and emailing to see where we were in the process. Finally, someone from Credit Genius got back to me, and shortly after that, I heard from my new lender. All if it went very smoothly. Also, they saved me $75 a month!
Jay0917
EASY Easy process, great comunications was completed with in a few days.
