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



on Google

Contacted them from a link in Instagram. They contacted me back al.ost immediately and got the ball rolling...only took about three weeks and processing all done. Everyone was very nice and well informed.



on Google

This was a quick and seamless process. They were able to give me a lower rate and lower payment that included gap insurance.



on Google

Took longer than I thought it would. And my credit got hit more than once. Otherwise it was good experience. I will reccomend them.



on Google

In less than a week, they were able to refinance my auto loan for me. Easy to work with, no problems.



on Google

Laura did a great job managing the refinance loan approval process in a timely matter and helped clarify action’s remaining after the previous loan lender has received payout to receive any refunds!



on Google

Professional, knowledgeable



on Google

Very professional and they work hard to get you taken care of. My rep.,Jacob, was outstanding! I highly recommend the whole process.



on Google

I was nervous with the whole refinancing process but Jacob was amazing. He walked me though it and always got back to me in a timely manner whenever I had questions. Rate Genius is amazing.



on Google

Me and my wife worked with Matthew for the majority of our refinancing process and he was great. Attentive and great with communication! Made things so easy and worth it in the end



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!