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
Abel
Matt
Will was amazing. He was very informative and easy to talk to. I recommend RateGenius to anyone needing to refinance!
Juana
Quick and seamless experience working with Jared! Highly recommend!
Kayla
Joe
Friendly write to the Point easy to work with
Jerry
Were very professional and timely. I enjoyed the experience and you saved me a lot of money.
Alan
Refinancing my vehicle was easy and painless. I recommend RateGenius for anyone who needs help lowering their car payment.
Robert
So far the experience was fast and easy and they where professional
Stephanie
So glad I reached out to RateGenius! They helped me lower my rate and saved me almost $400/month in interest !!!!! The process was absolutely seamless.
Yadira
“Had to drop a quick review for the team that washed my husband’s Gladiator today 😂🔥. This poor truck wasn’t dirty from trails… it was buried under like 2 inches of pollen 🌼😅. You guys brought it back from ‘yellow season survivor’ to clean and shining like new 🤩🧼. Super friendly service and attention to detail — seriously impressed. We’ll definitely be back… because pollen in this area is no joke 😂🙌. Highly recommend!”
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!