RateGenius Provides a Full-service Car Refinance and Re-Titling Platform with Options

Use RateGenius's auto lending marketplace to refinance your car and save money.

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About RateGenius

RateGenius is an auto refinance company worth taking a look at if you would like to refinance your vehicle. They are an auto lending marketplace operating under the legal name called The Savings Group, Inc. Previously, the company was known as RateGenius, Inc. but changed names in 2021 after a merger with another marketplace called AUTOPAY. The company stands on its solid history of helping driver’s save money with decades of experience.

RateGenius Auto Refinance Logo
Advertiser Disclosure

Lender Type

Marketplace

$96+ Avg Savings

A+ BBB Rating

4.4 Google Rating

Online Marketplace

Rate estimation tools

$395 Document Fee

Interest Rate

2.99%***

RateGenius states their refinance rates start at 2.99%***. Rate based on excellent credit score and shorter refinance term. See application for details.

Credit Score

500+

RateGenius serves credit scores of 500 and higher. This falls into the fair FICO credit range bracket.

When Applying

Check Out the Full-service car refinance and re-titling platform with cash out options.

Qualifying with RateGenius

Step Into Auto Refinancing Pre-Approval

Thinking of applying with RateGenius? Here is what you need to know to plan ahead.

  • Make Sure You Qualify

    You may qualify for refinancing through RateGenius if you have a credit score above 500. Actual marketplace qualification may vary.

  • Gather Documents

    Make a file with the documents you need to refinance including your vehicle information, personal details, and current loan specifications.

  • Look Before Leaping

    Know what you are getting into ahead of time. You can use our auto refinance calculator to compare new loan offers with your current loan rates.

TrustPilot Reviews

See what customers have to say about RateGenius on Trustpilot.

Daisyreebs
Daisyreebs
January 5, 2023

These folks work hard and fast to make…

These folks work hard and fast to make things happen!

Hannah Conner
Hannah Conner
January 3, 2023

Christine with rate genius was very…

Christine with rate genius was very informative and worked quickly to get my car refinanced!

Venus Tilley
Venus Tilley
December 18, 2022

Great service from start to finish

Great service from start to finish! Tim was great! Thank you!

contessa sorum
contessa sorum
December 15, 2022

Tim was awesome

Tim was awesome. Very responsive & communicated every step. My experience w/ the entire process was great.

Ryan Turano
Ryan Turano
December 9, 2022

Simple as it gets

Simply put Ann made the process as simple as it could get. Thought it would be a pain but they give you every step laid out in an easy to understand way. No hidden anything. 10/10

Alexis Tooker
Alexis Tooker
December 9, 2022

This was an amazing experience for me

This was an amazing experience for me! I was helped by Ann who always answered my calls when I had questions and helped me through every step of this process! Definitely worth it to refinance with rate genius!

Cody Marcum
Cody Marcum
December 9, 2022

I was helped by a lady name Christine

I was helped by a lady name Christine, she was super helpful and very friendly throughout the process. I work five days a week and unfortunately it made the whole process more difficult and take longer Then normal. Christine continued to work with me and try to make the process as easy as she could and after about a month we got it all figured out and I’m saving a good amount of money compared to what I was paying before

Christian Terilla
Christian Terilla
December 9, 2022

My whole experience was made simple by…

My whole experience was made simple by my loan specialist, Shrutika Pandey. I didn’t feel rushed or pressured at all and we ended up securing a loan to refinance my vehicle. I would recommend Rategenius.com to anyone.

Phillip
Phillip
December 6, 2022

Friendly service

Friendly service, easy to complete. Communication was good from beginning to end.

Sarah Williford
Sarah Williford
December 3, 2022

I was incredibly pleased with the…

I was incredibly pleased with the customer service provided to me throughout my refinancing. Ann Mckinnley was patient, kind, resourceful, and knowledgeable in her field. I would highly recommend this company and Ann for assistance with refinancing. Thank you!

Matt Kolb
Matt Kolb
December 2, 2022

My experience was excellent

My experience was excellent. I dealt with Leah Baize. She provided an amazing customer experience by being thorough, patient, and impeccable follow up and follow through. I have already recommended to 2 friends so far.

Houston Baker
Houston Baker
December 2, 2022

My experience was mostly pleasant

My experience was mostly pleasant. My representative talked me through the steps and kept me up-to-date on how the process was going and what I needed to do. I'd give 5 stars but having to go get some papers notarized and send them out was a slight inconvenience.

Tim Buchanan
Tim Buchanan
November 30, 2022

Horrible experience that I hope you can…

Horrible experience that I hope you can I one else has to go through. Took months, yes months, I was lied to repeatedly, had to send documents multiple times and was told I would be reimbursed for the multiple notary fees but never was. Took so long that I was charged a late fee by my previous bank and no manager had ever responded to my requests. Just was a horrible expensive experience. Oh and my new payment is more than I was told and I was forced to make a payment *early* instead of a 2 month grace period as I was told. RUN AWAY!

Papi and BigCZ's Comedy Zone
Papi and BigCZ's Comedy Zone
November 30, 2022

The person that helped us was kind

The person that helped us was kind, helpful. Lorrie Homan

Kyle Puckett
Kyle Puckett
November 29, 2022

Handle my refinance quick and easy

Handle my refinance quick and easy. I felt like I was informed in great detail of the whole process before proceeding with documentation.

Gary
Gary
November 29, 2022

Just completely refinance on my 2017…

Just completely refinance on my 2017 Santa Fe. They made the process very easy, anything I had is sent out had prepaid postage along with it. Although you do pay a decent chunk of change to complete the whole process. In the end, my payments are lower and that's all I really care about.

Raven Pouncey
Raven Pouncey
November 18, 2022

Quick and Easy

I had such a quick and easy experience! Thank you Ann for assisting me!

william glenn
william glenn
November 18, 2022

I had a little more of difficult…

I had a little more of difficult Refinance due to my own circumstances. And they were taken in stride and worked around excellently.

Matthew Lengel
Matthew Lengel
November 17, 2022

Personalized and efficient

The process was easy and personalized. They assign you a point person which is super helpful. My loan process was managed by Christine Santisteban. She was very helpful and responsive. We were able to do most of our communication through text. Highly recommend!

Remi Campirano
Remi Campirano
November 11, 2022

Great experience, using you guys again…

The employee I had helping me Brad Frizzle was amazing on helping me through the process. Made it quick, easy and almost effortless.

Leona
Leona
November 8, 2022

Vince and Filishia were great to work…

Vince and Filishia were great to work with. They helped me save almost $200/month. There was a snag with docusign but otherwise it went well!

MiddleEasternMexican
MiddleEasternMexican
November 7, 2022

This was an amazing service

This was an amazing service. I knew there had to be a way to lower my payments, but in the end I not only lowered my payments with a lower rate but also lowered my term!

Alex
Alex
November 4, 2022

NOT what it seemed

While the rategenius reps were great, the overall experience was not what it seemed. I chose to use rategenius for my recent auto refinance so I could do it online. However, in reality very little of it was actually completed online - not only were the rates and details all quoted over the phone, but the application itself had to be done all via mail. It was a pain to have to go back and forth to UPS to have to get this done. If I thought anything would need to be done in person, I would've just gone to my local credit union directly! Beware, they are not what they seem.

Beverly Cunningham
Beverly Cunningham
November 3, 2022

Very misleading ads

Very misleading. I received ad in mail directed to me personally that they could reduce my APR two points on the car I purchased, but after completing their forms they told me they couldn't reduce my loan rate as advertised. I wasted two hours giving them my info. Very untrustworthy advertising. My credit rating is as good as it gets, they just can't deliver their info they purport in their ads. Don't waste your time.

ost
ost
October 31, 2022

I contacted RateGenius again to refinance auto loan

I contacted RateGenius again to refinance my auto loan with a different bank. The agent processed all my documents, initiated a credit check, and then went silent for almost two weeks. After I called a support line, I found out there was no way I could refinance the same Car a second time with RateGenius which the agent failed to explain and check before even starting the process. As a result, I have another hard pull on my credit history and will have to do that again to refinance my loan with another company. This is terrible customer service! UPDATE: RateGenius replied to this review and asked me to call back and resolve the issue. But the funny thing is that every call on this phone number goes directly to voice mail and they never call back! UPDATE 2: Apparently, it was a rate RateGenius policy where they do not refinance the same vehicle multiple times. Be aware of this quirk. But on the positive side, I did talk to them again and they helped me out with a different company that provides the same services.

Dee
Dee
October 27, 2022

Awesome Experience

I was skeptical at first to apply for a refinance on my auto loan because I have been rejected so many times. I was pleasantly surprised that I was approved and with a great rate and a much lower payment. The process was easy and Adrian my direct representative was always available and answered every question I had. I would definitely recommend.

Samantha McClellan
Samantha McClellan
October 26, 2022

Ann was wonderful to work with

Ann was wonderful to work with! I originally went on a whim to see if I could obtain a lower rate since my interest seemed high for my vehicle. I was able to obtain a lower rate and the customer service she gave was superb!!

Louise
Louise
October 24, 2022

Ann with Rate Genius reached out to me…

Ann with Rate Genius reached out to me right away and found a lower interest rate than I was originally pre approved for. My document situation was messy because I had just moved and had differing addresses on documents. Ann was patient and understanding with me. Thank you so much!

Brandi Ott
Brandi Ott
October 24, 2022

Rate Genius definitely helped me a lot!

Rate Genius definitely helped me a lot refinancing. It was super easy, and the representative Ann, was very friendly, professional, and super helpful. I highly recommend. 10/10.

KINNEY/RODNEY
KINNEY/RODNEY
October 23, 2022

I loved the whole process with…

I loved the whole process with RATEGENIUS! I loved it so much I did a 2nd re-finance with them one week later!

LM
LM
October 20, 2022

Overall I was pleased with Rategenius

Overall I was pleased with Rategenius. The reps I spoke with were polite, professional, and helpful. They got me a great rate on my auto loan considering the times we’re in and the application process was fairly easy. It did take longer than expected to complete and a little frustrating when waiting days for an update from the loan rep, but in the end all is good.

Steve
Steve
October 20, 2022

Super easy

The process was super quick, the reps were highly responsive, and everything was very, very easy. Would do this again in a heartbeat.

Julio
Julio
October 20, 2022

Best experience

Best experience. Fast approval and follow up from all personnel involved. Loan was finished in 3 and funded overnight. Can not wait to refinance my second car with them.

Steve Harman
Steve Harman
October 14, 2022

Ahead above the rest

Honest, Expediant and very professional. Keith Edwards is the man. Straight to the point and always ready to answer all my questions. If you need help lowering your monthly payment . Rate Genius is the way to go Thanks.

Jeffrey
Jeffrey
October 13, 2022

So used rate genius to refinance my

So used rate genius to refinance my truck and they made the process so easy. Their people were very helpful and quick and they made this whole process wonderful

Keith
Keith
October 11, 2022

New auto loan

Right from the beginning Aaron was great. He explained everything perfectly, didn't waste anytime, and saved me money. Lower monthly price and lower interest rate. It was super easy and fast!

Jake
Jake
October 10, 2022

From the start it was extremely…

From the start it was extremely seemless transaction! My coordinator did everything she said she would on time and was very friendly! Highly recommend

Chris Contreras
Chris Contreras
October 7, 2022

10 out of 10

I worked with Aaron and he exceeded my expectations, every easy and was always available for any questions I had. Rate genius saved me money by lowering my interest rate which made my payment lower. I would recommend rate genius to anyone looking for a better term. Great job guys!!

Pamela J
Pamela J
October 7, 2022

Auto Refinance…I was referred to…

Auto Refinance…I was referred to Rategenius thru Experian credit website and that was the best decision ever! I was reluctant initially due to past credit history and thought I may not get approved. When I submitted my application Rategenius responded immediately and I was assigned to loan officer “Shrutika Pandey”…even though I was still reluctant due to various reasons with my process she always reassured me that everything would work out and she will go thru the whole process with me and not to worry…we will get thru it together. When my loan was finally approved I was so ecstatic and thankful Shrutika didn’t allow me to give up and because of her I’m able to continue on the up climb of my road of credit repair! Thank you Shrutika and Rategenius! Pamela J

Scott Judge
Scott Judge
October 4, 2022

I was directed to Rategenius thru…Credit Karma

I was directed to Rategenius thru Credit Karma. I refinanced my 2021 Yukon. It went very smooth and was painless. I would recommend Rategenius to anyone that asked. Thank you Scott Judge

Nancy Allen
Nancy Allen
September 30, 2022

No explanation or receipt for $35 to open CU account for refi

While the refi process was pretty straight forward, Kathryn sent me an email with the remaining items needed. I was told I had to pay a $35 deposit to open an account with the credit union doing my refi. Even the "receipt" on the website indicated it was a deposit for the CU account. When I finally accessed that new account 1.5 months later, only $5.00 had been deposited. I emailed both my rep Sunny and Kathryn but received no receipt or explanation for what the $30.00 was for and no response to multiple requests for an actual receipt. Can you say scam?

Matt
Matt
September 29, 2022

RateGenius car refinance

Gary Ottosi helped me through my car refinancing, getting me a much lower rate and also lower payment. Communicated with me throughout the whole process and went above and beyond to make sure my documentation was received correctly and on time.

Patrick Leen
Patrick Leen
September 29, 2022

Rate Genius is the “Real Deal”

Rate Genius made a lot of promises! I very skeptical about the ability to deliver . They worked very hard to get me the best deal at the best rate. I saved a couple of hundred dollars on my car loan. I’m a fan now Thank you Real Genius.

Tammy
Tammy
September 29, 2022

They were fast and effective through my…

They were fast and effective through my whole experience..Brad was my loan specialist and he was wonderful and went beyond and above for me to get the best rate possible. I would recommend them for sure

Joanna
Joanna
September 28, 2022

Car Refinance

Ann McKinley helped me throughout my whole car refinance process and I could have not been more thankful. She went above and beyond for me and was able to get me a loan with the credit union of my choice and a new lower rate. I would recommend her for your refinancing needs! 10/10 would do it all over again.

Aaron Bornstein
Aaron Bornstein
September 24, 2022

Just a big thank you

Just a big thank you. Yes you have to find a few documents, but you are guided throughout the process. I’m very pleased with the outcome and appreciate the guidance.

Cesar Hernandez
Cesar Hernandez
September 23, 2022

AWESOME COMMUNICATION

From start to end everything was great! They made the process very easy, and I was connected to a great lender within a couple of days. Within a week, my loan was secured, and couldn't be happier with the result. The staff was very friendly, helpful in understanding the process, and made it a seamless process.I gave this company 5 stars because they very professional and they made sure I got the right financial company I needed to suit my refinancing needs. I really appreciate Rategenius for their complete accuracy as I switched from my old high interest rate company to a lower interest rate company that they recommended I try. Thanks so much Rategenius,I couldn’t have done it without you!!!

Josh Wheeler
Josh Wheeler
September 21, 2022

Great company to work with!

From start to end everything was great! They made the process very easy, and I was connected to a great lender within a couple of days. Within a week, my loan was secured, and couldn't be happier with the result. The staff was very friendly, helpful in understanding the process, and made it a seamless process.

Sarah McNair
Sarah McNair
September 20, 2022

Appreciated the transparency

Made refinancing my vehicle easy and went over all my options and was always honest with me about what could happen and what might not happen. Appreciated this greatly.

Travis Cummings
Travis Cummings
September 9, 2022

Just wasn’t pleased with the overall…

Just wasn’t pleased with the overall experience. A lot of miss communication. A slow process. Went from owing $21,000 on car. To now owing over $25,000.

Daisyreebs
Daisyreebs
January 5, 2023

These folks work hard and fast to make…

These folks work hard and fast to make things happen!

Hannah Conner
Hannah Conner
January 3, 2023

Christine with rate genius was very…

Christine with rate genius was very informative and worked quickly to get my car refinanced!

Venus Tilley
Venus Tilley
December 18, 2022

Great service from start to finish

Great service from start to finish! Tim was great! Thank you!

contessa sorum
contessa sorum
December 15, 2022

Tim was awesome

Tim was awesome. Very responsive & communicated every step. My experience w/ the entire process was great.

Ryan Turano
Ryan Turano
December 9, 2022

Simple as it gets

Simply put Ann made the process as simple as it could get. Thought it would be a pain but they give you every step laid out in an easy to understand way. No hidden anything. 10/10

Alexis Tooker
Alexis Tooker
December 9, 2022

This was an amazing experience for me

This was an amazing experience for me! I was helped by Ann who always answered my calls when I had questions and helped me through every step of this process! Definitely worth it to refinance with rate genius!

Cody Marcum
Cody Marcum
December 9, 2022

I was helped by a lady name Christine

I was helped by a lady name Christine, she was super helpful and very friendly throughout the process. I work five days a week and unfortunately it made the whole process more difficult and take longer Then normal. Christine continued to work with me and try to make the process as easy as she could and after about a month we got it all figured out and I’m saving a good amount of money compared to what I was paying before

Christian Terilla
Christian Terilla
December 9, 2022

My whole experience was made simple by…

My whole experience was made simple by my loan specialist, Shrutika Pandey. I didn’t feel rushed or pressured at all and we ended up securing a loan to refinance my vehicle. I would recommend Rategenius.com to anyone.

Phillip
Phillip
December 6, 2022

Friendly service

Friendly service, easy to complete. Communication was good from beginning to end.

RateGenius's History

RateGenius was founded in 1999 making them one of the longest operating marketplaces in the United States with over 20 years of experience helping customers refinance their vehicles. Their headquarters is located in Austin, Texas, and they were voted one of the best places to work in Austin for 2021.

They serve drivers nationwide in all 50 states through their network of over 180 lenders. The available services offered through RateGenius depend on the lenders. Their diverse lender network provides customers with many options including traditional refinancing along with cash-out car loan refinancing, car lease buyouts, and additional auto products.

These include guaranteed asset protection waivers (GAP) offerings and vehicle service contracts (VSCs). If you are interested in adding on GAP to your refinanced car loan for example, RageGenius could connect you with the right lender and help you find what you need to protect what you’ve invested in your vehicle.

RateGenius is a larger marketplace when compared to others in the industry and acquired AUTOPAY as the result of a recent merger in 2021. This led to the creation of a new parent company called The Savings Group, Inc. which is making moves and taking over a larger part of the refinance industry. It will be interesting to see where their future plans take them.

RateGenius is focused around helping car owners save money on their monthly car payments. Their website states they help people save an average of $96 per month over the entirety of 2021. During all of 2021, their State of Auto Refinance report noted they helped drivers save over $56.4 million on their auto loans. That is a huge impact, so well done RateGenius Team!

Refinanced Rates

Auto refinance rates with RateGenius start at 2.99%***. Rates vary with most optimal being high credit with a new vehicle.

Full-Service

Their team and tools guide your refinance journey with the loan finder tool, loan agents, and submission portal.

Loan Finder Tool

Use the RateGenius's loan finder tool to see your estimated rates by credit score. Estimating your rate helps you plan.

Applying for Car Refinancing with RateGenius

Applying for refinancing through RateGenius is one of the more enjoyable experiences we found in the world of auto refinancing applications. It ranks up there near the top in our opinion and is close to Caribou’s seamless process as far as usability, features, and ease of application.

You start the application on the RateGenius website by clicking any one of the “Find My Rate” or “Get Started” buttons or links. This brings you into the application where you can enter and submit your information. You can also select refinance goals along the way like:

  • Lowering your monthly car payment
  • Lowering your loan interest rate
  • Taking someone off your car loan
  • Check other loan options

All of the vehicle information is entered when you start the online process. This info includes the vehicle’s year, make, model, trim options, mileage, current auto lender (who you make payments to), and current monthly auto payment. If you’ve made it this far, you are already halfway there. The progress bar on each page is a very helpful notification.

Next, you need to enter your personal details. This step includes your first and last name, address (street, city, state, and zip code), email, mobile phone number, date of birth (DOB), and co-borrower information (if you are applying with one). You are almost to the rates!

The loan finder will help find refinance offers based on your credit score and information. It does this by checking your credit history through a soft credit pull which does not impact your credit score. Like the other lending marketplaces, the hard pull on your credit occurs later when you have selected the loan offer you want to apply for.

RateGenius also offers pre-approval and a loan finder tool to easily check rates. The pre-approval process starts with an initial form where you can enter your vehicle info, personal info, and income all at once. This form completes a soft credit pull and can lead to your pre-approval to better serve you qualified refinance rates next.

The loan finder jumps you right to offer estimates. The standard credit brackets from lowest to highest are based on the standard FICO® scores from very poor (300 to 579), fair (580 to 669), good (670 to 739), very good (740 to 799), and excellent (800 to 850) credit scores. Estimating your credit score is acceptable for this step.

To complete the loan finder entry and see estimated rates, enter your monthly car loan payment amount, remaining loan balance, and remaining loan term. This will generate three refinanced loan category options with highlighted rates for lowest payment option, lowest rate option, and lowest term option. There are around seven other loan options provided in each category for comparison.

RateGenius also handles vehicle title processes and refinanced-related retitling. Similarly to Caribou, they have a title team to help you understand the titling laws where you live. These laws and requirements can vary from state to state, so their advice and expertise is much appreciated.

RateGenius BBB Reviews

Trusted by Hundreds of Auto Refinancing Drivers

4.5

5/5

Over 702 Reviews
Better Business Bureau
See Company Profile

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"Worked with Rate Genius for a little bit. They were able to get me into a cheaper loan without having to have a down payment that others requested. They apologized for taking so long. This is my first experience ever refinancing a car. It was a great experience. I would highly recommend them!!"

Angee W
5/5
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"I had a great experience with rate genius refinancing my loan and getting a significantly reduced APR. I'd wouldn't hesitate to recommend them or use them again. Their online application process makes it super easy and you can follow along and know the status of your loan real-time"

Brandon W
5/5
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"Working with RateGenius has been so easy and I was updated every step of the way. I would recommend this company highly. They got my car note lowered from 24+% to a little over 9%. It also went from 66 months down to 60. The change in my monthly payment really helps my family a great deal. A+ business !"

Elaine L
5/5
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"Rate Genius is a genius! Very resourceful and fast with providing comparable, if not better financing. My rate is lower and contract covers more on my vehicle. Im very satisfied and have recommended to my friends."

Labrena L
5/5

Car Loan Interest Rates with RateGenius

RateGenius’s interest rates start at around 2.99%***. This rate is not qualified by a specific credit score or loan term, but it is most likely very similar to having a credit score over 750+ with a relatively short refinance term of around 36 to 48 months. Their refinance rate tools can help you verify headline rates and know what to expect based on your credit score.

The RateGenius website has a tool to help you see the daily refinance rate estimations with breakdowns by credit brackets. On average, it looks like vehicle owners with excellent credit scores of 750 to 850 points can expect auto refinance rates around 2.93 to 3.66% with terms relatively ranging from 36 to 72 months.

The other score brackets follow suit. For credit scores with good ratings of 700 ro 749 points, the interest rates increase to about 3.51% for 36 months up to 4.58% for 72 months. For fair credit scores of 640 to 699, refinancers can expect around 4.95% for 36 months to 6.31% for 72 months. Finally, scores lower than 639 points, estimated rates are around 8.93% for 36 months to 9.09% for 72 months.

Expert Lending Help

Why Choose RateGenius?

RateGenius can be a good choice to use to refinance your vehicle. Their expert team is knowledgeable, and can help you find the right loan option you need to save money. The results speak to their 20+ years in the auto refinance field.

Decades of Lending Experience

RateGenius has serious refinance chops, decades of experience, and hundreds of happy customers to prove it.

Refinance and Re-titling Services

They offer a one-stop-shop with refinance and re-titling services under the same roof. Optimize your refinance journey with less work.

Nationwide Refinancing

Not sure if other lenders serve your area? RateGenius provides nationwide auto refinancing in all 50 states. Find your state.

RateGenius Fees and Things to Know

RateGenius does have a document processing and loan origination fee of $395. This fee is charged when your refinanced loan is processed (after your loan selection) and is part of your refinance package. Other related fees may include the title transfer fee (this can vary by state), processing fee (is typically around $80 - $100), and the credit union membership fee which varies lender to lender (is typically around $5 - $30), but some lenders may waive this fee.

Highlights

Auto refinance rates start at 2.99%***

Average car payment savings is $96 per month

Full-service refinance and retitling

Has many useful loan tools and rate estimates

Offers cash-out refinance opportunities

Provides a fast and easy way to refinance

A+ BBB rating & accreditation

RateGenius has a 4.4 star rating Google Review

***2.99% rate is not qualified by a specific credit score or loan term. Check with RateGenius for more information. It is most likely very similar to having a higher credit score with a relatively short refinance term. Actual rate may vary.