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
Valerii
Very good, very fast, excellent! Thanks
Zachary
Gerald was awesome, answered all my questions and helped me get through the process made it fast and easy
OG
I worked with Andy recently, very professional, great communication and patience. Keep being great! Anthony
Jose
Great, Jeridth was very helpful and on time. I was able to get a better interest rate. Thanks
James Matthew
I am vey happy that Rate Genius has approved me for auto refinance
juan
"Tawnie is professional and attentive. She helped make this refinance transaction a breeze—she kept me informed of any changes and her responses were quick and accurate. I'll recommend her to anyone who wants to feel confident and secure."
Marie
Loretta
CLARK1990
Melissa with the savings group was awesome!! She handled everything with perfection she made the whole process as fast and easy as possible. I Would recommend her 100% to anyone looking for a loan.
Sameer
Nice
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!