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
Gabriella
My agent was great
Shari
My agent was fantastic got me a much lower payment so happy
Dolores
James
Megan was absolutely wonderful to work with. Very professional and very helpful through every step.
Melissa
This was my second time working with Jerald Miller and he is so easy to work with and helpful!
Shelby
Jacob was great! He took the time to explain everything in a way that made sense to me and was willing to answer any questions I had. I appreciate how smooth the process was. Highly recommend switching to Rate Genius if you’re looking to refinance. 😊
Matthew
Helped me a lot! They were very great and easy to work with! Great experience
Credit Karma
Really easy and super friendly Give you a great rate to save you money
Christina
Melanie was amazing to work with. I've tried a few times to refinance, but got super frustrated with either the people, lack of communication, or a super tedious process. Melanie communicated with me every step of the way and made the process easy. 😊
Jamie
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!