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3871 Reviews


Refinance Your Auto Loan
Lower your car payments or pay it off faster by refinancing in a fast and easy way.


RateGenius is a platform that connects you to lenders to find the best rate to refinance your auto loan. Founded in Austin, Texas, around 1999, RateGenius wants to influence people’s financial lives for the better. Accessing a better rate to refinance your auto loan means you can use the extra saving to improve other financial aspects of your life. They have helped save an average of $83/month on more than 378,00 refinanced auto loans.

RateGenius’ network of over 150 lending institutions all over the U.S. allows them to present you with the best auto loan option for you. As a company with an expansive lender network and unparalleled customer service, it’s easy to understand why RateGenius is one of the largest and most trusted auto refinance provider in the U.S. 

How To Refinance Your Auto Loan with RateGenius

RateGenius makes the process of refinancing your auto loan quick, easy, and straightforward. In three steps, you can start saving on your current auto loan:

  1. Apply: You can submit an application either online or on the phone. 
  2. Choose: Get all the lenders that offer you a reduced rate to choose the best loan for you.
  3. Save: Finalize the paperwork and your loan online and take advantage of your new auto loan savings.

During the application process, they will request information about you, your lender, and your vehicle, so make sure you have this information handy:

  • Name of your auto loan lender
  • How much you are currently paying monthly 
  • Make, model, and style of your vehicle
  • Current vehicle mileage 
  • Your contact details: address, phone number, and email.

To give you the best options, the RateGenius team works with its lender network to find the ones that offer you the best rates and reduced monthly payments based on your circumstances. When approved, you will get your offers by phone, email, and text.

Once you have chosen the option, RateGenius will make the loan documents available to you online or by post. Once you have reviewed them and gone through any questions you may have, you will sign the paperwork and return it online or by post. At this point, RateGenius will then pay off the remaining balance of your old auto loan to your former lender, transfer the title to your new lender, and transition you to your new lender.

With this easy approach, RateGenius’ goal is to present you with all the offers that will save you the most money so you can choose the best option for your financial needs.

With an average rating of 4.9 stars in customer reviews, you can also rest assured that you will get the customer service you need to help you along the process of refinancing your auto loan.


Reviews 99



4257 Reviews
Read this Auto Approve review to learn how to get more competitive interest rates on your auto loans, and lower your payments.
WithClutch helps car owners refinance their auto loans and save money with a quick & easy online application process.

RateGenius Products and Services


Refinance Auto Loans

Lower your car payments, defer a car payment, pay off your car faster, or break up with your bank by refinancing your auto loan.

Learn more

Why Us

Excellent Customer Service

An average of 4.9 stars in their customer's reviews.

Save On Your Auto Loan

They have helped save an average of $83/month on auto loans.

+378,000 Loans Funded

Broad experience in auto loan refinancing with a network of over 150 lenders nationwide.


Contact Request

Consult the FAQ in RateGenius website and if you can’t find what you need, call or email them directly.

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