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
Charla
This place is awesome, others told me no there was no way to refinance my car. Rate genius proved them all wrong they not only helped refinance my vehicle they. Even got me 45 days before I make another car payment Thank you Mike M for your help and Thank you Rate Genius for helping me Love y’all Charla
Dale
Kathy was very helpful and patient.Kept me informed all away thru the process.And very friendly.
Michelle Nunez
I had the pleasure of working with Megan. She was very personable and knowledgeable and made me feel comfortable from the very beginning. Rate genius was able to get my loan refinanced with better terms. I highly recommend working with them.
Thong
Mark was easy and fantastic to work with. Super fast at his job and communication
Chris
Rick was very helpful and knowledgeable throughout the financing process. Nice guy, too.
Andy
Sovath
Twala was very helpful and made the process quick and easy.
Dorothy
kate
I first used RateGenius about 10 years ago on a previous car and went back to them for my current financing. They were always helpful and once again found me a great rate. Thanks again!
Joe
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!