RateGenius Reviews
Learn why 400,000+ people have trusted RateGenius for their vehicle financing
Top ratings from thousands of satisfied customers
4.9 Stars
4.7 Stars
Decades of experience serving drivers
RateGenius has over 25 years of experience helping drivers save on their auto loan. Our team of loan specialists provides support and guidance throughout the process of securing or refinancing your car loan.
What people are saying about RateGenius
Michael
Kiya
An overall awesome experience. I felt in the know. Good communication, quick, not a lot of hard pulls, got me with a credit union which was a plus for me. And most of all was honest. I really appreciate all of your hard work. Highly recommend!
Marcus
Nothing but positive words for the work and time invested by Ashley D.
Ma. de los angeles
La persona que me atendió fue muy amable, profesional y paciente. Se tomó el tiempo necesario para explicarme todo claramente y resolver mis dudas. Me hizo sentir muy bien atendida y realmente se nota su compromiso con brindar un excelente servicio al cliente. ¡Muchas gracias Indhira por su atención y amabilidad! Totalmente recomendada.
Ashley
Brooke was amazing! Fast and easy to talk to!
The
They got the job done when refinancing my truck but what a grueling process. I had about 15 texts from 3 different numbers about 15 emails from 3 different people had to prove my identity multiple times even take a quiz to prove it. Idk when I bought my truck I was in and out in 3 hours. This process with all the text calls and emails took over a week. I was super happy when it was finally done.
brailyn
Ray
Rob was great to work with. He made it easy to understand and convenient to get paperwork completed.
David
Jay Morris is fantastic and was there every step of the way. Always kept me up to date and was easily able to answer all of my questions. Explained everything clearly and concisely. Very personable and professional!
Bryan
Agents lleno las espectativas
Common questions, answered
Is RateGenius legitimate?
Yes, RateGenius is a legitimate automotive finance company that is licensed to operate across the United States. Founded in 1999, RateGenius partners with over 150 established banks, credit unions and finance companies located nationwide to connect drivers with affordable options to meet their automotive finance needs.
What does RateGenius do?
RateGenius operates the largest nationwide online marketplace for auto loans. RateGenius gives drivers access to competitive rates on auto loan financing and refinancing, enabling them to lock in meaningful savings on their monthly payment and interest rate.
Does RateGenius have good reviews?
Across thousands of comments and feedback, RateGenius has earned overwhelmingly positive reviews from its customers! You can see for yourself what people are saying on platforms such as Birdeye and Google Reviews. The Better Business Bureau also has given RateGenius and its business practices an “A+” rating.
Is RateGenius a direct lender?
RateGenius does not operate as a direct lender. Our role is to bring together drivers seeking affordable auto financing and a network of direct lending partners. We make the process efficient by finding you the best deal we can, and handling many of the details so you don’t have to.
Does RateGenius do hard credit inquiries?
RateGenius performs a hard credit inquiry—also referred to as a hard credit pull—following the submission of a loan application. This is an important and necessary step that enables RateGenius to get drivers the most favorable and competitive terms on auto loan offers coming back from our lender network. Hard credit inquiries do appear on your credit report, but one of the benefits of working with us is that you’re accessing dozens of lenders through the RateGenius loan application, putting that hard inquiry to work!