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
Maya
This was a very easy process. The person I worked with, Mike Phillips, was stellar! His excellent communication, prompt responses, knowledge to easily explain anything I didn’t understand, kind & pleasant demeanor are greatly appreciated. He’s an asset to your team for sure.
ken
Everything was explained and rep was very professional and helpful
Jennifer
It was a pleasure working with Jennifer Hutta! From the beginning she made a sometimes scary and frustrating process very light and manageable! Great communication and worked through the process every step of the way til close! I never had to wait for what to so next, she kept me informed proactively! That was the best experience I have ever had refinancing a vehicle! Top notch service 10/10 💗💗💗
Christina
Hayley was very thorough and communicative during the entire process. If I had questions, she got the answer, there was no second guessing. She made the process as easy as possible. Thank you Hayley!! You put me at ease. ♥️
Brian
Daniel is the best. He patiently walked me through the entire process. Then he kept me informed and answered all my questions. Thanks!
Christina
This was best experience I've had in working with financial matters. Robert W. was amazing in helping me through the process, he's friendly, very clear and concise with communication, knowledgeable, all around and absolute pleasure to work with! I highly recommend! Thank you Robert!
Joshua
Very professional company. Responsive and quick to act. Got the loan I wanted. Very satisfied with the whole process.
Marilyn
Tammy
Mercedes was awesome from start to finish
Janice
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!