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 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.

S

Steve

on Google

I had a great experience working with John at Rate Genius! Not only was he helpful and patient, he also got me a rate that was 2 points lower than what I previously had.

B

Beth

Recommended on Facebook

Fast, easy and safe. Saved 3 points off my interest rate!

D

Debbie

on Google

Great experience using RateGenius! Was able to do most of the paperwork over the phone or online, but the actual loan papers were sent via mail. Very friendly people to work with. Process was simple. I highly recommend RateGenius.

J

Joe

on Google

Robert Castaneda is da’ bomb