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 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

Joe

on Google

Normally it’s wise to avoid mail offerings... this was one I decided to inquire on further because it would potentially reduce my interest rate by a significant number. The agent, Nguyen, was very helpful the entire time after receiving a decision to proceed. Was able to cut the interest rate literally in half. What better could be expected? Great service throughout and made the process very simplistic with filling out online and faxing in a few other documents. Looking for an EASY auto loan application during a challenging time from the comfort of your home or workplace? This was as easy as it could get. Very pleased and highly recommended!

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Evy555

Credit Repair I’m very grateful toJerry Link Credit Groupfor the help they rendered to me when I needed a loan for a house , I was late on my car payment and also had a credit card debt. He cleared my debts, removed every bad report on my profile, boosted my score to 785 and also added good tradelines to my report in less than 9 days. Contact him viajerrylinkgroup at gmail dot comfor all kinds of credit repair and thank me later

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HappyDriver

The process was seamless & quick!!. I was skeptical at first but Bradley quickly put me at ease. He answered all my questions and was always available for any follow up questions I had along the way. I started on a Thursday and finished by Monday. The original lender received their pay off within days!! I have a much lower rate & payment. Just in time for the holidays!!