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We’d love to help you grow your auto portfolio. Let’s see how we can work together.
TURNKEY AUTO REFINANCE PROGRAM
PAY-FOR-PERFORMANCE AUTO LENDING
OVER $8 BILLION IN FUNDED LOAN VOLUME
To become a member of our lender network, contact us at:
lendersupport@rategenius.com
Or call us at 866-413-5976
We are always seeking to create new relationships with like-minded companies and people.
To become a member of our affiliate network, contact us at:
affiliates@rategenius.com
Or call us at 512-302-6476
Credit checks are a foundational part of lending and underwriting. Whether applying for a credit card, auto loan, mortgage, or refinancing an existing vehicle loan, lenders evaluate credit information to determine risk. The difference between a soft pull and a hard credit inquiry can influence approval decisions, interest rates, and even short-term credit score movement.…
Auto loan refinancing became increasingly common in 2025, driven less by short-term market timing and more by changes in how consumers managed long-term debt. Borrowers who financed vehicles during the high-cost years of the early 2020s revisited their loans, often finding opportunities to reduce monthly payments, improve loan terms, or better align debt with their…
Choosing where to finance a vehicle can make a significant difference in the total cost of ownership. While banks and dealerships still dominate car lending, credit unions have steadily earned their place as the go-to choice for drivers seeking lower rates, flexible terms, and trustworthy service. Because they operate as member-owned, not-for-profit institutions, credit unions…