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
Ruben
Good customer service
Shane
Nytesha was an absolute pleasure to work with and saved me two and a half percent compared to my current auto loan. Thank you!
Roger
Excellent communication & service.
Lexi
Rob was A+ we took care of everything within a matter of minutes both times he needed something from me. He probably spent more time waiting on me than I spent waiting on him! Can’t say that often,
Noah
Robert Olson's been incredibly helpful, communicative, timely. All the elements anyone could ask for in making refinancing a breeze. I especially appreciated how easy it was to directly connect by phone via text, bypassing the usual menu navigation, to talk with the same human, consistent person across the process. Thanks again, Rob!
Chelsea
Patrick made the process smooth and easy. He was very quick with his responses and wasted no time in helping me out. Excellent service !
Bobby
Refinanced my car at a lower rate a smooth transition that lowered my monthly payments
Vance
The process was very easy. Rate Genius has great customer service especially with Rebecca. She is very knowledgeable and friendly. Thank you for helping me
Adolfo
RateGenius was extremely helpful and super easy. Ivan was very helpful and very responsive to all my questions made my transaction process very smooth and easy. I’m glad I went through them with my refinancing.
Hannah
Melissa was very helpful and kind during this experience. she reached out promptly and answered all of my questions. even the stupid ones.
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!