rateGenius Auto Loans Review

Rating: 9.6 / 10 (Excellent)
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Founded in 1999 and headquartered in Austin, Texas, rateGenius is a nationwide online broker that specifically caters to auto loan refinancing. The web portal features a savings calculator and free quotes from over 150 loan refinancing lenders across the country. Customers of rateGenius save an average of $89 a month when they refinance their car, truck, SUV, or motorcycle.

How is RATEGENIUS rated?


Loan Options
Application & Service

Overall Rating: 9.6 / 10 (Excellent)

rateGenius is a quick and convenient alternative for anyone looking to refinance their auto loan for a lower rate and save thousands of dollars over the life of their loan. The company tends to refinance for the same loan term, so customers pay off what they owe in the same amount of time while obtaining the most competitive rates and lowering their overall interest payments. rateGenius works with a leading network of credit unions as well as community and national lending institutions to offer the best prices on a great selection of insurance products. The company has managed the rare feat of obtaining a Better Business Bureau accreditation as well 90% positive customer reviews and minimal complaints, making them one of the most reliable options in the auto loan market today. Those looking to reduce their interest rates while receiving outstanding customer support are sure to find rateGenius an ideal, hassle-free refinance option.

Auto Loans & Refinancing

Loan Options - 10 / 10

rateGenius offers flexible loan terms that can be shortened or lengthened depending on the clients' particular needs. The company generally refinances for the same amount of time left on your current loan term, but for a lower rate. Because the company serves as an online broker, loan terms and rates will vary depending on the lender and the consumer's previous loan details.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Loan Qualifications

Qualification - 9 / 10

rateGenius will inquire into the credit history of new and returning customers to ensure they are matched with lenders offering the best interest rates possible. The process may also entail a credit score verification, yet they do not specify whether or not there is credit score minimum. To qualify and fully complete the online application process, prospective customers must be 18 or older and provide their social security number as well as their vehicle's identification number or VIN.

Borrower Qualifications

Minimum Age
Must be 18 or older
Minimum Income
No Minimum
Minimum Credit Score
No Minimum
US Citizenship Requirement
Verification / Documents Required
Social Security Number

Vehicle Qualifications

Mileage Limit
No Limit
Car Age
No Limit
Car Makes
Any Vehicle Make

Application & Service

Application & Service - 10 / 10

rateGenius does not charge any application or loan fees, only a title fee paid to the state. However, some lenders may apply processing fees, which are typically included in the loan amount. One of the best things about rateGenius' service is that they expedite the refinance process so clients can obtain quotes in as little as 24 to 48 hours. Nevertheless, prospective customers should be aware the company will carry out a hard credit inquiry upon application, so those who have applied for multiple forms of financing in recent months should inform themselves about the potential impact of numerous inquiries into their credit.
Approval Time
Same Day
Funding Time
1-7 Days
Title Fee
Benefits/ Features
Online Rates / Application

RATEGENIUS Reputation & Reviews

Reputation - 9 / 10

rateGenius is accredited by the Better Business Bureau with an A+ rating and 91% positive customer reviews. Consumers agree the company offers quality customer support and quick service, which makes them one of our go-to partners for anyone looking for an excellent auto loan refinance experience. This is further confirmed by their 9.4 TrustScore with Trustpilot.com, where clients state the company has helped them secure low rates and provided them outstanding customer service from start to finish.
Trust Pilot Rating
9.4 out of 10
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Contact & Additional Information

Lender Type
Homepage URL
Company Phone
(866) 728-3436
Headquarters Address
9300 United Drive, Ste 180, Austin, TX, 78758
Year Founded

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Customer Comments & Reviews

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Top Rated
Our Partner
9.6 / 10
  • Compare 150+ car loan refinancers
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  • Over 300,000 loans funded
  • A+ with the Better Business Bureau
  • Save on auto, RV, Boat, home insurance as well!