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.
Grace
Victoria was great to work with. She communicated with me every step of the way to make this process very easy and enjoyable.
Milt
Graham made my auto refinance process smooth from start to finish. He was extremely communicative, always available to answer questions, and very knowledgeable throughout the entire process. I truly appreciated his professionalism and how easy he made everything. Highly recommend working with him!
Tessa
Kash and Dominick who helped me get my refinance funded were both very clear, concise, and professional all while being really kind and helpful. They were able to lower my interest rate significantly and the process took less than a week. I am really happy I used Rate Genius and would definitely recommend them to anyone looking for a car loan or refi.
john
Highly Recommend Peyton for Car Refinancing! Peyton was fantastic throughout my entire car refinancing process. From the very first conversation, he was super helpful, taking the time to explain everything clearly and answering all my questions without rushing. He made what could have been a stressful and confusing experience feel straightforward and easy. I really appreciated how informative and patient he was — he walked me through every step, made sure I understood my options, and never made me feel pressured. Thanks to Peyton, I got a much better rate on my car loan with minimal hassle. If you’re looking to refinance your vehicle, I highly recommend working with Peyton. He’s professional, knowledgeable, and genuinely cares about helping you get the best outcome. Five stars all the way!