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.

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 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.

Lower your car payment

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.



on Google

This was the easiest loan that I have ever applied for. There are no up-front or hidden fees. My loan officer, Mr. Ortiz made the process so simple. He was available for me even on his time off to answer my questions and assist me in any way I needed. I would highly recommend Rate Genius - this is a wonderful loan company!



on Google

I was a little nervous after reading some of these reviews about using Rate Genius. They are 100% legit. It only took 5 days to get everything setup. Michael Ortiz was the load officer helping me and he couldn't have been better! He answered all of my emails within minutes. Thanks again for your help!



on Google

Everyone I worked with was very courteous and answered all of my questions promptly, especially Dillon E. The process on my refinance was very quick and seamless.



Fast and easy Application process was fast and easy. I was able to get a much lower interest rate than offers being sent by mail or email!