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
Cleo
Cody
Bill
Rebecca was extremely easy to work with and returned phone calls. And very pleasant to talk to.
Howard
I contacted RateGenius early on Wednesday morning (2/12/25) to refinance the truck we just purchased and received a text saying a RateGenius representative would be contacting me soon. That was around 9:00 a.m. I finally received a call after 11:15 a.m. They wanted all of my information, plus mileage on the truck. The rep told me I needed to send a copy of my DL, insurance card, and registration. Then at 11:55 a.m. the rep told me she had a meeting and would call me in an hour. We'll, one hour, two hours, three hours passed. The rep finally sent me a text around 4:40 p.m. saying she would be calling me in a bit. We'll, 45 minutes later I still hadn't received a call. I finally sent her a text and told her we would be leaving for church and would not be back home until 8:30 p.m. She sent me a text telling me should be calling me on Thursday morning. No call Thursday morning, afternoon, or evening. On Friday morning she never called, so I sent her a text telling her thanks for her time, but I would be looking local to refi the truck. She asked if I wanted them to keeping working on the refi, and I told her no, but thanks for asking. There was no communication from the rep after her call on Wednesday morning, other than a couple texts and nothing about the refi. I felt like my time meant nothing to them. I'm not sure what interest rate I could have gotten, because of the lack of communication.
Ronald
Easy straight forward Melissa very helpful and professional
Sammy
Dewayne
They took care of all the details very quickly. Very easy to work with .
Rob
Jeff
Eduard was a pleasure. Thorough and diligent throughout the process.
Melissa
The easiest process imaginable and Samiul was so helpful and knowledgeable!
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!