We ensure you get the best rate for your loan
Easy to Apply
It only takes a few minutes for you to submit an application online.
More Options
Our vast network of lenders offer a range of qualifying rates and payments.
Lower Payments
We compare all offers and find the one that will best fit your needs.
Find My Rate
Check out our three-step auto refinance process to learn how easy it is to save money with RateGenius.
1Applying for Refinance
It only takes a few minutes to submit your application online or over the phone by calling toll-free at 866-728-3436.
You will need some general information about yourself, your current lender, and the vehicle you plan to refinance. Please have the following information handy when applying:
- Name of current lender
- Current monthly payment
- Make, model, and style of your vehicle (i.e. Honda Accord EX)
- Your vehicle’s current mileage
- VIN Number (optional but helpful)
- Address
- Phone number
- Email address
2Choosing your New Loan
Once your application is complete, our technology and team will work quickly with our lender network to find an interest rate and monthly payments to fit your needs. If approved, you will be immediately contacted regarding your offer by phone, email, and text.
3Completing the Refinance Process
After RateGenius finds a new loan for you, your loan documents will be available for review in your secure customer dashboard or delivered to your door via FedEx. Upon reviewing the details of the contract with your loan specialist, you will sign the appropriate paperwork and return it to RateGenius electronically or via the pre-paid postage envelope. Once your loan package is complete, RateGenius takes care of the rest. We will:
- Payoff the remaining balance of your old auto loan to your former lender
- Transfer the title to your new lender
- Transition you to your new lender
That’s it. Just three easy steps to save on your auto loan!
What Our Customers Say
People love RateGenius because it saves them time and money.
tammy
Very friendly and easy to work with. Thank you so much.
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