About Us

RateGenius connects people, products, and technology to find consumers the best auto loan rate. We do this by using our innovative origination platform together with our network of over 150 lending institutions nationwide to shop multiple offers and present the best option for the customer. 

Established in 1999 in Austin, Texas 

The RateGenius Advantage

We help people save money on their auto loans with a network of 150+ lenders nationwide. The auto refinance process with RateGenius is quick, easy, and simple. We are the largest and most trusted auto refinance provider in the country. 

A better way to refinance your auto loan.

Have a question? Get answers.  |  1-866-728-3436

RateGenius

A Better Car Payment in Minutes.

Refinancing could lower your auto loan rate and monthly payment while saving you hundreds of dollars.

LOWER MY PAYMENT

4.99

APR as low as

%*

Disclaimer: All loans are subject to credit and underwriting approval. The programs advertised on this landing page are not a commitment or guarantee from RateGenius or its lender partners to lend. Programs, rates and other terms & conditions on this landing page are subject to change without notice.

*APR = Annual Percentage Rate. "APR as low as" is based on the lowest interest rate received by a RateGenius customer (with a credit score above 750) from one of our participating lenders within the last 3 months. APR is based on the lender’s lowest available rate for qualified applicants. Lowest APR is subject to change. Final APR is determined at the time of your application, based on creditworthiness, value of the vehicle, and loan term. Rate quoted is the lowest APR for qualified applicants, and is subject to vehicle value and loan term.      

9300 United Drive, Ste 180, Austin, Texas 78758  
Toll-Free: 1-866-728-3436 

APPLY IN MINUTES

Fill out your application online or over the phone. 

CHOOSE A LOAN

We find lenders who can offer you a reduced rate. 

START SAVING

Finalize your loan online or have the paperwork delivered. 

“WOW ! Rate Genius is awesome and searched the NATION for the best rate for me. I highly recommend.” 

Roger
Recommended on Facebook

“This company is great. Fast approval and service. They had my loan refinanced within one week! ” 

Lauren
on Credit Karma