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
Dewitt
Melinda was great, great communication, text, call and email, extremely responsive, kinda thought Melinda was AI
Dewitt
Very easy process, direct, you get multiple types of communication, would use again 10/10
Laura
I had such an amazing experience, Brandon was incredibly helpful throughout the entire process always quick to respond and thorough answering my questions. His communication and support made what can be stressful into a smooth experience.i really appreciate his professionalism.
Gabriel
Patrick was the best rep I could’ve imagined. He helped where he could and kept fighting till he found the best deal. I would definitely recommend them to anybody In the market looking to refinance.
Emmanuel
Megan was super awesome to work with!!
Jose Fabian
Megan was great help and assisted me throughout the whole process and made it a easy process
Dustin
Andy was wonderful to work with. He made sure to continually communicate with me through the finance process.
Rod Francois
Could not have asked for a better experience.
Kurt
RateGenius made refinancing our cars very simple and we didn't even have to leave our house. It was a very easy process and our interest rate went from 8% to 6% which was satisfactory for us.
Bill
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!