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
Jared
Tre
Aisha
It was a very easy and quick process to refinance my auto loan with rate genius. Matt had very good communication and was a pleasure to work with. I especially appreciated the utilization of the virtual notary.
Jonathan
Super helpful, got me a great rate, strongly recommend.
Ryan
I had an amazing experience refinancing my auto loan with RateGenius! Kara was incredibly helpful, knowledgeable, and made the entire process smooth and stress-free. She took the time to answer all my questions, kept me informed at every step, and helped me secure a much lower interest rate. Thanks to her, I’ll be saving a significant amount over the life of my loan. The process was quick, transparent, and easy from start to finish. I highly recommend RateGenius—especially if you get to work with Kara!
Mark
It was a long process, and John did a fantastic job of keeping me updated. I would use them again.
Ivy
Super easy and friendly! Phil was extra helpful and made the process of refinancing my car very easy and personal. Would highly recommend for fast and reliable service. They have saved me time and money in multiple ways and stayed on top of any necessary information and communications between myself and my lender. Thank you!!!
Ayshia
Solomon and his team, were fast and efficient helping me refinance my vehicle. I was on a time crunch and had only 2 weeks till I went on vacation out of the country and they took care of everything within a matter of days. I couldn’t have been happy weight the results and now my car payment is at such a better rate. Thank you!!!
David
AL
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!