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
Brianna
Michael
I really really enjoyed using RateGenius to refinance my car. They go out and find the best rates around for you so it saves you a lot of time and headaches. My personal loan specialist Noah helped me to get the loan that I was most comfortable with. He was very helpful friendly knowledgeable and patient with me. I definitely recommend using RateGenius if you want to refinance.
Charlotte De
Alex
Alex was awesome to work with. He made the process seemless and communication was great! Thank you Alex for all your help!
Randall
Great company and a very nice loan advisor.
Danielle
Rob was great to work with! The entire process was seamless and quick!
Bruce
Quick, easy, and friendly service
izaac
I was helped properly and professionally to getting my viechle refinance.
Philip
I had a more than pleasant time in my decision to go with Rategenius for my refinance. Of course, Bill Bulloch was great to work with and would recommend him highly.
Erin
Andrew Tuck was attentive, communicative, courteous, and professional throughout this process. He made refinancing my car loan a breeze and the assistance he provided is saving me so much money! I would highly recommend rate genius for your refinancing needs.
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!