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
Marianel
Excellent customer service. Prompt service. Shenique made the transition very easy for me and was very thorough and explained everything in detail. :) Anel
Charles
Samantha
Scott
christina
Andrew was fast, efficient, and friendly
Caroline
Austin was great and made the whole process so easy!
Redlantern3
Kristin
Josh was exceptionally helpful in my refinance! He was informative and did an excellent job in supporting me as I navigated this process. He was patient and answered all my multitude of questions. Also the texting option made it very helpful and personable. Truly happy to have worked with si h a nice person!
KIM
Megan was extremely helpful with everything. I am very satisfied with the whole process and appreciate everything. 5 stars for Meganđđ
B-rad
Megan was wonderful she helped us every step of the way and was very 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 âA+â 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 donât have to.
Does RateGenius do hard credit inquiries?
RateGenius performs a hard credit inquiryâalso referred to as a hard credit pullâfollowing 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 youâre accessing dozens of lenders through the RateGenius loan application, putting that hard inquiry to work!