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
Dynasty
Christian
Brandon was a great help & explained everything thoroughly during the refinance process.
Cassandra
I had an excellent experience refinancing my vehicle through RateGenius! The process was smooth and stress-free, and my loan specialist was incredibly helpful every step of the way. She was knowledgeable, patient, and always quick to answer my questions and kelp me updated. Thanks to her hard work, I was able to refinance with better terms and save money. I highly recommend RateGenius to anyone looking to refinance their vehicle
Hope
My agent, Daniel Green, was stellar. I went back and forth on my refinancing but he was patient and super helpful. Everytime we hopped on a call I was greeted with warmth. Would highly recommend using rate genius to refinance and save yourself some money.
Leti
Gregory was super helpful and patient with my busy schedule. Got a better interest rate.
Sandra
Fue rápida su ayuda para refinación mi auto me gusto que hablan español y la rapidez con la que se hiso todo el proceso recomendado 100%.
sara
Excellent service and communication. Step by step guidance from the start of the application to the end of the loan process.
Doug
bradly
Very helpful, easy process, speedy too. Much thanks my loan payments dropped over 60 dollars.
Terry
Brian was extremely helpful with making loan process so easy! Very cordial and answered all my questions! I will highly recommend! Thank you!
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!