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.

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 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.

j

jmartin9142

Epic Savings Very responsive and helpful. Was able to save a good amount of money monthly and drop my intrest rate significantly. Thanks again, I would suggest this to anyone looking to get a better rate and lower their monthly payments.

j

jmartin9142

Easy Made my monthly go down and dropped my intrest rate.

S

ShaunSlater

Very user friendly and easy to deal with The application process was very straight forward and simple. They replied quickly and got to work finding a lender. Lender was landed in a couple business days and my loan was funded a couple days later. All in all a very smooth transaction.

M

Marijaen

Easy enough, and well worth it Awesome