We receive advertising fees from the brands we review that affect the ranking and scoring of such brands.
Advertiser Disclosure
Rate Genius

RateGenius Reviews


bestfor-icon Experts in Refinancing Cars, Trucks, and SUVs

Written by Bob Phillips

About RateGenius | Read More


LS Score







Visit site
Opening Hours Opening Hours drop-down-btn
Mon - Fri 7:00 AM - 8:00 PM
Saturday 9:00 AM - 5:00 PM
Sunday Closed
Contact Information Contact Information drop-down-btn
  • hello@rategenius.com
  • (866) 728-3436
  • Headquarters: 9300 United Dr., Suite 180 Austin, TX 78758
Social Media Social Media drop-down-btn

RateGenius Auto Loans Review

RateGenius provides refinancing loans at competitive interest rates. They do not fund loans but connect potential borrowers with their network of over 150 lenders.

RateGenius Auto Loans Highlight


Min Credit Score


APR. Fixed Rate

Min $8K

Loan Amount

36-84 Months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

24 hours

Funding Time

10 Years

Max Vehicle Age

Auto Loan Refinance

Min 4.67%

APR. Fixed Rate


Refinance Amount

Pros & Cons

  • con-icon Application is easy and simple
  • con-icon Most rates are at the lowest they've ever been
  • con-icon Older vehicles are considered
  • con-icon May charge origination fee up to $395
  • con-icon The minimum loan amount is could be lower

Auto Loan Types

  • Auto Refinance Loans
  • Cash-out Refinance Loans

Vehicle Types

  • Car
  • Truck

RateGenius Auto Loans Terms & Requirements

RateGenius only offers vehicle refinancing. Vehicles cannot be older than ten model years and must have under 120,000 miles. RateGenius’s terms and requirements are industry standard and acceptable.

Applying to RateGenius

Applying for a vehicle loan through RateGenius is fast and easy. A Social Security number is not required for prequalification.

After submitting information, a confirmation code is sent to the applicant, who then provides it to RateGenius. Upon receipt, RateGenius provides quotes from lenders matched with the borrower.

Qualification Requirements

  • Minimum FICO credit score: 550.
  • Minimum age: 18
  • U.S. resident
  • At least 24 months left on the existing auto loan
  • The loan has been in place for at least one month

Required Information

Will vary by lender but may include:

  • Proof of address
  • Last pay stub to verify income
  • Driver’s license
  • Banking information
  • Auto insurance information
  • Copy of vehicle registration

Application Steps & Time Frames

  • Complete application (5 minutes)
  • Wait for approval or decline (usually under 5 minutes)
  • Receive funding (usually 1-32business days, depending on the lender)

State Availability

- Available in all states

Written by Bob Phillips linkedin-icon twitter-icon

Having spent over fifteen years helping people plan their lives financially, Bob has a vast amount of knowledge concerning personal finance. During his career, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.



Does RateGenius do a soft credit pull?

RateGenius will perform a soft credit pull that doesn’t affect your credit score to determine if you can be prequalified for any offers. However, submitting an application to get quotes from lenders will result in a hard credit pull, which can negatively impact your credit score.

Does RateGenius only refinance cars?

RateGenius specializes in refinancing cars, trucks, and SUVs with a minimum loan balance of at least $10,250.

Is there a charge to refinance my auto with RateGenius?

In some cases, there will be prepaid finance charges associated with your loan. The amount of these fees vary depending on your lender and the state in which you live. Additionally, RateGenius may collect a small fee on behalf of your state’s DMV to process the title on your behalf.

Customer Support

RateGenius does not offer customer support after a loan is funded. Borrowers must seek service for their account directly from the lender who made the loan. However, RateGenius does have a toll-free phone number for inbound callers seeking sales support and needing questions answered before applying.

In Conclusion

RateGenius is a reputable company with an A+ rating from the Better Business Bureau (BBB). It provides quotes from different lenders within minutes of when someone submits an application, and funding is typically made within 24-48 hours. The company has excellent online reviews, with a TrustPilot rating of 4.7 out of 5 stars based on over 3,900 reviews.