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
Myles
Payge was excellent! Very communicative
Christian
I worked with Jay Garcia - she is phenomenal, responsive, and easy to work with. I highly recommend just based on her performance.
Cindy
A pleasure to work with. Super nice people
Matt
Zoe was amazing
Dorneshia
⭐⭐⭐⭐⭐ Excellent experience with Rate Genius! Kash assisted me with my refinance and made the entire process smooth and stress-free. He was quick, professional, and very responsive throughout everything. I really appreciated how efficiently he handled my refinance while keeping me informed every step of the way. Highly recommend Kash and the Rate Genius team for anyone looking for fast and reliable service!
Jason-Kori
Mel8nda was great to work with. Answered all my questions promptly and walked me through the process fast and easy.
Pamela
Very nice and very helpful
cuban
I am very grateful for the help of this amazing company, and especially to Mr. Graham Wadman for always being attentive to what was happening and always offering the best assistance. Thank you for everything you've done.
Wendy
Ivar Freeberg was an amazing help and everything was seamless. He addressed all of the points I was trying to meet with a refinance loan. Very happy with my experience and would definitely recommend
Jennifer
I worked with Ana, she was great! Made the process step by step and easy to follow.
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!