Our vast network of lenders offer a range of qualifying rates and 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)
- 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 your secure customer dashboard 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.
The ONLY reason this didn’t get 5 stars is because of some delays that were not at first told to me would happen and because I had to make changes to my current car insurance which made my overall savings a little less than planned. The dealings with James and Stephanie were always pleasant and they were able to answer any questions I had without fail. I would use this company again in the future and would also definitely refer to friends and/or family. Just be sure before committing to the new loan process you get that clear answer about the insurance requirements for the new lender offering the loan!
Fast & Properly Vehicle Refinancing. High Recommended
The process was very quick and Sharon was super helpful and attentive