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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.

Lender Type
Marketplace
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.

No thank you
Got a letter in the mail saying I was pre-approved for refinancing. Would be $180 less a month than my current loan. Submitted my info online and they come back and said I would have to put a down payment of $5,990!!! who has that kind of money just laying around, I know I don't! NO THANK YOU I WILL KEEP MY CURRENT LOAN! Also yes I know just because you're "pre-approved" doesn't mean you will be approved but $5,990 that's RIDICULOUS

Approved but nobody will return my call!
just now NEW Was told via text message on monday that my app was approved and to call my loan specialist kaitlyn mcgree. Now today is Wednesday and my loan specialist has not return any of my 4 messages or 3 text messages. I will be using a different platform for my refinance thanks for the hard inquiry for nothing!

Great experience
It was smooth process. Easy to understand. Good rate for my auto loan needs. The agent Joseph Hernandez was extremely professional and patient in explaining details and every step. One thing that I did not like so much that they only provided me offer from one single lender and there were no options to choose from. But I am fully satisfied with what service I got from rate genius.

Unprofessional and No Customer Service
I’m only giving them 1 star because 0 is not an option. We recently sent in all of our information to this lender and we’re all set up to refinance our truck. After everything was sent, we received no more information about our vehicle. Dennis Ortiz did all of our paperwork, and we never heard from him again. Over a month of trying to get ahold of him, or anymore and no one returned our calls. Absolutely the WORST customer service and company I have ever dealt with. If you’re looking for a place with no help, no way to get in contact with anyone, and a complete waste of your time, this is the place. If you’re trying to save money… I would look elsewhere.

My agent was very knowledgeable
My agent was very knowledgeable, straight forward, and answered all my questions. He also found the rate and auto warranty I was looking for and cutting my rate almost in half with refinancing my auto loan.

I liked the way Ann helped me through…
I liked the way Ann helped me through this process and I would recommend that anyone with Not so good credit give it a try.I was very happy with my experience.

These folks work hard and fast to make…
These folks work hard and fast to make things happen!

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

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

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

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

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!

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

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.

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

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!

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.

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.

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!

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

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.

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.

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

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.

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!

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.

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!

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!

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.

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.

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.

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.

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!!

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!

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.

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!

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.

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.

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.

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

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!

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

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!!

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

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

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?

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.

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.

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

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.
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!
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
Over 702 Reviews
Better Business Bureau
See Company Profile
"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!!"
"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"
"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 !"
"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."
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
***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.