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 best fit your needs.

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 an 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 a new 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.

J

Jason

on Google

They are on point making sure you are taking care of I highly recommend them to anybody looking to refinance truck or car I give them a perfect 10 Christine was fantastic i giver her a perfect 10

A

Anonymous

Approved right away I just emailed them to see if I could lower my car payment and within a couple of days I was approved and my current loan paid off. Now I will pay $40 less a month. On a fixed income that is huge. Thanks

N

Noe

on Google

Chris Jackson. Of Rate Genius awesome person. Highly recommend speaking with him for your refinance needs. Very helpful. Thank you.

r

rich

on Google

Good experience friendly people to work with