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:
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.
Easy, trustworthy, and legit!. This was my first refinancing ever and I honestly didn’t want to take a lot of time doing the research. So I applied through RateGenius, and they did the whole process for me! Super easy. It took a few weeks from start to finish which was expected! Got a good deal with a credit union that I know I wouldn’t have found otherwise!
Smooth and transparent process Answer a few questions, upload a few documents, did the whole thing from my phone. My loan processor, Oma Dawn, kept me in the loop during the whole process. Cut my interest rate in half. I highly recommend RateGenius!
Great experience and very helpful staff!!!
Fast and Easy Process I loved how easy the application process was. They walked me through each step with the verification.