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
The
They got the job done when refinancing my truck but what a grueling process. I had about 15 texts from 3 different numbers about 15 emails from 3 different people had to prove my identity multiple times even take a quiz to prove it. Idk when I bought my truck I was in and out in 3 hours. This process with all the text calls and emails took over a week. I was super happy when it was finally done.
Bryan
Agents lleno las espectativas
Tina
Extremely easy and pleasant to work with. Would absolutely recommend!
Kristy
Great service from Will. Made the process quick and easy for me to refinance!
Joey
Twala was amazing!!! She made the whole process so easy and gave exceptional service!! I would highly recommend using rate genius!!
Credit Karma
Helpful and smooth Carlene was very professional, helpful and always kept updated throughout the process
Credit Karma
Great experience!!!!!! Paul was amazing from start to finish!
Ashlynn
I found Rate Genius on Credit Karma, and decided I wanted to try to refinance my vehicle. I have been turned down before when I attempted because it was in an accident and the value went down, but William at Rate genius was able to shop lenders for me and found one that was willing to refinance my car. I got a better interest rate, and reduced my payment by a little over $100 a month! William Schwindt was super helpful, knowledgeable, and reliable. I’m very grateful I tried again!!
Matt
Megan was awesome super easy to work with and was not pushy at all. If she had the answers to my questions she told me if she didn’t she said she would get back to me.
Ash
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!