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
Julio
My experience was very satisfying. The process of refinancing my car with Diego Burgos support was excellent. He was extremely attentive and made sure everything went smoothly every single day of the process
Beto
Awesome customer service! Keeps you posted step by step. Walks you through the whole process. They will find you the best deals. Highly recommend them.
Taiwo
Mick was great to work with. He is thorough and went above and beyond to find me a great deal. I have only good things to say about this company.
cody
Emily
I worked with Laura Short and she made this whole process of transferring my car title simple and seamless for me. She was the ideal person to work with on something like this. She was always available, guided me through the process, never rushed me, and was just in general so pleasant and easy to communicate with. She really knows how to do her job and do it well. Can not say enough good things about my experience, I am so grateful she was the person I worked with on this!
David
Fast professional and concerned about the customers need I would definitely recommend your company
Steve
Jonathon
Quick and easy loan process! Very pleased!
Credit Karma
Patrick helped me through many frustrating paperwork hurdles and got me refinanced at a much better rate. Thank you Patrick! You are the man!
Virginia
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!