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.



Simple application, great service I applied to refinance an auto loan from Bridgecrest and the process was super simple. Everything was done online and I received convenient call and text updates that kept me informed each step of the way. I received approval quickly at a good rate (much lower than Bridgecrest), although BrightStar Credit Union stepped up to beat their offer so I ultimately went with BrightStar. Although I didn't end up refinancing with RateGenius, I was honestly so blown away by their customer service (thanks John Gorrell!) that I wanted to make it known. If you're looking to refinance, I highly recommend including RateGenius in your process.



The process was easy, fast!. Good rates, make sure to fight for what you know you can qualify for



fast and easy



Great, easy applying!. I applied because it was the recommended one with greatest approval odds based on my credit from Credit Karma & instantly got approved! Very easy process just answers some questions and you're all set! Thanks for the savings!