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
Julia
I was great working with Rate genius and Rebecca!
Lee
Brandon was great. Very pleasant, accountable & explained the whole process to us so it wasn't difficult to navigate the process.
Janelle
Very helpful and professional! Highly recommend!
Christina
Very attentive, Very thorough! Pleasant and nice customer service with an easy Process with tons of follow up! Jelani Howell - The ULTIMATE BEST!!
Brandon
Mike
Great experience, my loan advisor Brian was very helpful and thorough!
K
Jenna was very helpful and patient with me. She kept in contact with me throughout the entire process.
Erendida
The agent Jody from RateGeniuse,was very helpful,professional and patient. He has helped me with all my questions and loans.
Dee
Richie was excellent!
Louis
I really enjoyed using rate genius to refinance my Vehicle. Ryan was very straightforward with me. There was no pressure at all. Will definitely do business with him again. I even kept his number in my contacts. I’m very satisfied 👍
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!