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
James
Stephanie
Dennis, with Rate Genius was very helpful in getting the whole process taken care of efficiently and quickly. I’m excited about the savings that is coming our way!
donald
My Loan Officer (Simon Oto) was so patient and extremely helpful. He made this transaction very stress free.
Terry
Kara was great explaned everything to me and answered all my questions.
lbl
Tiffany went above and beyond to get me into a new loan! She is very professional and quick. Very recommended
anthony
Kara was awesome and super understanding w my busy schedule. Would highly recommend them to anyone!
Domonique
Kara Grant was absolutely exceptional! Her communication skills, work ethic, and meticulous attention to detail were impressive—but what truly stood out was her warm, empathetic, and upbeat personality. I would wholeheartedly recommend Kara and wouldn’t hesitate to work with her again for any future financial decisions. Kudos to Rate Genius for hiring such an outstanding asset to the team!
Vince
patrick
Amazing experience! I was helped and guided thru the whole process! Would highly recommend anyone to use for they are very helpful
Jeff
Great service every time I use these guys!
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!