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

A

Alice

on Google

K

Kaleb

on Google

T

Teena

on Google

Very good service and the rep was amazing

S

Sue

on Google

Nick was very helpful and guided us quickly through the process. He was very patient while we sent documents back and forth to our son who is in a different state to get the necessary signatures. Overall it was a great experience.

P

Paige

on Google

G

Goodaz

on Google

RateGenius has been amazing to me. I worked with Matthew Magnison who was soo helpful.He was Super patient, knowledgeable, courteous and professional during the entire process. He worked with me to get the best offer possible and kept me informed through every step . Thank you from the bottom of my heart for all of your help to get the refinancing plan that I desired. It has been a pleasure to work with RateGenius and they will always be my go-to!”

L

Lino

on BBB

Such an easy process, with good deals. My advisor was there to help me through it all to get me the best deal! Thank you *****!

L

Lee

on Google

Quick and easy. I got a better APR on my car loan within a few days. Matt was very friendly and responsive. Would recommend. 👍🏼

K

Karen

on Google

L

Lee

on Google

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!