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
Alison
They really keep u notified of every step a long the way. It was a pleasure working with them
Dusty
Awesome conpany to do business with. Very helpful and professional.
Darryl
I had a great experience working with Solomon Jackson as my point of contact. He was very helpful, knowledgeable and he communicated with me throughout the process.
Jonathan
Mason
Very helpful broker Travis did a good job walked me through everything, the reaching out through text initially gave me pause I had to Google if it was legitimate or not. Other than that good experience :)
Michelle
Renata is awesome and gets things done!! Great about keeping me informed
adriel
It was good
Austen
Amazing!!!! Worked with Matt and he texted and called me through the whole process. 10/10 would recommend to refinance your car.
Scot
Fantastic!
Ciara
My rep. Jessica was super efficient and helpful. I do wish I had a 9 apr percentage but what I got was better than what I had. Hope me and RateGenius have a nice pleasant relationship as we move forward.
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!