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
Danielle
There was a lot of back and forth and phone tag, and it felt like I had to jump through a lot of hoops because of the lending company’s strict regulations, but I’m happy with the outcome. I’m going to use RateGenius again to see if I can get my husband’s car a better deal, too!
Jo
Adam was very kind. Everything was very fast and easily understood. Thank you
Mariah
Zach was great to work with, super patient with my difficult work schedule and super helpful.
Maria Luisa
I contacted this company to apply for refinancing of my vehicle. The loan specialist Patrick was extremely helpful and kept me informed as my loan application was processed. He was very knowledgeable and courteous. He made the loan process easy and understandable. I had a very good experience and highly recommend Rate Genius.
Adjei
It's great working with RateGenius, especially Ryanna H. She was knowledgeable and patient. She worked with me throughout the refinancing process and I am really grateful for her help. Kudos.
Jim
Very polite customer service and the process was painless thank you for everything
Lonnie
They worked hard to get things done quickly
Michael T. Rivers,
Paul at RateGenius was fantastic to work with. He was attentive throughout the entire process, always responded quickly to my questions, and made everything easy and stress-free. Thanks to his help, I was able to substantially lower my interest rate through refinancing my vehicle. I highly recommend Paul and the RateGenius team to anyone looking for a smooth and professional refinancing experience!
Ian
Daniel
What an awesome company! RateGenius was the absolute best company I’ve ever used to help me secure a great loan at an amazing rate! If you’re in the market for a refinance auto loan, or even a new loan, them do yourself a favor and contact RateGenius before you lose thousands of dollars on an inferior loan. No regrets! Thanks, RateGenius! ❤️👏🏼
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!