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
Jamie
Md
We had already survived two relationship crises before this. I didn’t want to believe there was a third. The difference this time was the level of digital sophistication. Burner accounts. Alternate emails. Hidden messaging apps. I eventually reached out to Cyberh4cks.com via Telegram (+1 551 414 8634, @cyberh4cks). What impressed me most was discipline. They didn’t try to “break into” anything. They analyzed what was already legally accessible and built a behavioral profile. The disturbing thing? The precision of the deception. Three separate identities. Different personalities. Different tones of voice. And yet, the same writing quirks gave it all away. I wouldn’t wish that experience on anyone. But if you’re stuck in that nightmare, having professionals who know how to untangle it matters.
Corey
So far everything has gone smoothly. Still not done with the refinancing process but I'm positive everything will turn out more than great.
Rolland
TTG
Steve
Rate Genius was a fast, efficient service that saved me lots of money on a vehicle that I made a very poor deal on initially at the dealership. They cute my rate in half and save me over 33% on my monthly payment. Communication was consistent and the entire process literally took only days to complete.
Julie
I’m extremely happy with the customer service Diane provided. Her communication was outstanding—prompt, clear, and professional from start to finish.
Susie
Michael made the experience simple and fast.
Dana
Steve was very informative and helpful, very happy Steve walk though the progress. If I ever need help in future I will be calling Steve directly.
Credit Karma
Simple Quick and easy
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!