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
jennifer
Fairly easy process to refinance my loan no complaints
Christopher
It was a very easy experience from start to finish! Eliam made things easy to understand, and kept me well-informed throughout the process. I highly recommend Rate Genius, and will use them again whenever necessary.
Gabriel
Easy and seemless process
Jordan
Joe
My initial contact was with Denise Morales. Ms Morales was professional, polite, and very resourceful. There were many specific details required by the lender and Ms Morales handled each throughly with positive results. Her efforts in fulfilling requirements were impressive and I was kept in the loop in every aspect. I realize Ms Morales is new to this position and I have complete confidence in her ability to prosper in her position. Her listening skills and resilience in completing tasks at hand will benefit her well. My complements to her supervisors and would expect exemplary results from Ms Morales in her career with your firm. My sincere thanks to Ms Morales and wish her well in her career. Best regards, Joe Johnson
Everrick
Kara was amazing!
Jeff
Duane
I got to work with Mark dela Cruz and he was very professional, courteous and helpful from the start. I appreciate the communication we had and the ease of going with rate genius.
Jacqueline
Rate Genius helped me out a lot by getting my interest rate reduced and lowering my monthly payments. It was fast and very professional. I am very pleased
Whitney
Brandon Weaver was a pleasure to work with. He was very helpful, informative & always available. He was kind, personable & had a great personality. Thank you Brandon!!!
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!