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
Macy
Jay was amazing, informative, and easy to deal with.
Jamie
Matt was fantastic and very helpful. 10/10 would recommend solely because of Matt.
Timothy
Excellent experience; Melissa was very knowledgeable and had the answers to all my questions. She kept me abreast of the application progress, and ensured there were no suprises.
Archie
mmontgomery383
They took care of business, did what they said they were going to do...Awesome
Jeremy
Michael
great people worked hard to help me
Madison
I had received a few offers about refinancing my car from rate genius. I ended up giving it a shot and it was a pretty easy process considering all of the documents needed. They were able to help get my payment down almost a $100 along with a much lower apr. We worked with a nice man named Mark. He was very communicative and helped keep us in the loop the entire time. Overall a good experience.
Caleb
Harrison
I'M MORE THAN VERY IMPRESSED AND SATISFIED WITH YOU GUYS. THIS WAS MY FIRST TIME TO REFINANCE A CAR WITH THIS COMPANY. THE PROCESS WAS SO QUICK AND FAST WITH LESS DOCUMENTS REQUESTED, THE NEXT WEEK I GOT ALL MY APPROVAL AND LESS INTREST RATE( 13.84% to 7.34%). I WILL RECOMMEND THESE GUYS TO ANYONE LOOKING FOR GOOD REFINANCE COMPANY. HOWEVER AM NOT SURE WHAT ELSS THEY REFINANCE BUT FOR AUTO I RECOMMEND THEM, AND ALSO THE LOAN OFFICER ROBERT OLISON WAS SO GREAT, IN CONTACT WITH ME EVERY DAY ON THE STAGES OF THE LOAN. HEY MR. ROBERT YOU ARE HIGLY PROFESSIONAL. ONCE MORE...THANKS
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!