States We Serve
[AL] Alabama - (1)
[CA] California - (13)
[CO] Colorado - (4)
[FL] Florida - (2)
[GA] Georgia - (5)
[IL] Illinois - (4)
[IN] Indiana - (1)
[IA] Iowa - (1)
[MD] Maryland - (1)
[MA] Massachusetts - (1)
[MI] Michigan - (3)
[MN] Minnesota - (1)
[NE] Nebraska - (1)
[NJ] New Jersey - (1)
[NY] New York - (1)
[NC] North Carolina - (1)
[OH] Ohio - (4)
[OR] Oregon - (2)
[PA] Pennsylvania - (2)
[RI] Rhode Island - (1)
[SC] South Carolina - (2)
[TN] Tennessee - (1)
[TX] Texas - (19)
[UT] Utah - (3)
[VA] Virginia - (1)
[WI] Wisconsin - (1)


4412 Spicewood Springs Road Bldg. 6, Austin, TX, 78759, USA
(866) 728-3436


RateGenius Overview

Founded with the mission to save people money on their auto loans, RateGenius is an online marketplace that helps customers refinance loans for cars, trucks, SUVs, motorcycles, RVs and ATVs. The company works with over 150 lenders to match customers with competitive rates. RateGenius is headquartered in Austin, Texas, and has an A+ rating from the BBB.

How Do RateGenius’ Auto Loans Work?

With RateGenius' auto refinancing services, individuals can replace an existing auto loan with a new one in order to take advantage of potential savings. Ultimately, RateGenius helps borrowers access a new loan with a lower rate, which can be used to immediately pay off an existing high-rate loan. While paying off the new loan over time, borrowers will accrue less interest than if they had kept their original high-rate loan. On average, customers who use RateGenius to refinance their loans see a $89 drop in their monthly payments.

In general, RateGenius refinances loans using a term length that’s equal to the number of months that remain on a customer’s existing loan. For example, if your existing loan has 48 months left, RateGenius will typically refinance your loan with a loan duration of 48 months. However, term lengths can be shortened or lengthened based on your particular needs.

What Are RateGenius’ Auto Loans Rates?

Regarding offers provided by RateGenius, rates and additional fees can vary.

- Rates start at 2.99% APR.

- A title transfer fee is applicable when refinancing a vehicle and this fee is paid to your state.

- There is no application fee charged by RateGenius.

- A loan processing fee is charged by some lenders.

How Much Money Can I Borrow from RateGenius Auto Loans?

The amount you can borrow depends on the terms of your existing loan, which is information that you’ll be required to provide during the application process.

What Is RateGenius’ Application Process Like?

You can submit an application online or over the phone. You’ll be asked to provide basic information on your current loan, your vehicle and yourself. Then, RateGenius will work with its network of banks and credit unions to find the best financing options that are available to you. After that, the company will contact you by phone, email or standard mail (based on your preferences) to deliver the news.

Once you have an offer that you like, you can complete the refinancing process by reviewing and returning the appropriate loan documents either electronically or through the mail. After the completed documents are received, a check will be sent to your former lender and your vehicle's title will be transferred to the new lender.

How Are RateGenius’ Auto Loans Better than Other Auto Loans?

- RateGenius works with a network of over 150 lenders to provide you with the best refinancing options available.

- The company’s auto division offers loans for cars, trucks, SUVs, motorcycles, RVs and ATVs.

- RateGenius does not charge an application fee.

- RateGenius has an A+ rating from the BBB.

Credit Bureau Reporting
Loan Amount$7K - $70K
Payment Options:Automatic Payments
APR:Starting at 2.99%
Min APR:
Max Loan Term (Months)
Checking Account Required?
Lend To Military?
Immigration Status Considered:U.S. Permanent Resident
Minimum Age:18
Verification Documents Required:
Driver license (or other photo ID)
Proof of citizenship/residence
Customizable Payment Dates
Joint Loans Available
No Origination Fee
Pre-Approved Soft Credit Inquiry
Approval Speed (Hours)24
Deferred Payments
No Late Fees
No Prepayment Fee
1-7 days
Same Day
2-4 weeks
Application Fee
Lease Purchase
Institution TypeOther
New Loan
Used Car Loan is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...



February 19, 2016

i did save money on my car insurance and refinancing my car....the process was quick and easy.... representatives return your calls and messages quickly UNTIL the loan is funded after that you have to continously call/message to get a response.... also i referred my dad and his loan was funded jan 20, damn near a month ago and still NO REFERRAL CHECK...... they should continue to return messages AFTER loan has been funded in a timely fashion and shouldnt take a month to get a damn referral check....


January 07, 2015

I am extremely confused about my loan with Rate Genius. I get that they work with other lenders to find you the best loan, but I keep getting charged these fees and no one seems to really know why. I was charged money to open an account with my lender (reasonable) but then was charged a fee to “keep” the account open (what?). I'm so confused!


May 02, 2014

I'm not sure if this mess up was on my part, because I didn't read the fine print. While refinancing, RG bought an expensive warranty for my vehicle. Turns out, the warranty wasn't all it was cracked up to be. I should have read the fine print, but they should have made the terms of the warranty more clear. It is definitely not worth the price I paid for it.

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