RateGenius

Company Summary

RateGenius is designed to help lower your existing monthly car payments by refinancing your auto loan. Instead of acting as a direct lender, RateGenius provides an online platform that connects applicants with over 150 lenders nationwide. The application process can be completed in just minutes online or on your phone. Once you finish, you could receive multiple offers so that you can pick the best one to suit your budget and payment schedule. To apply, you’ll need your current loan information, your vehicle information, and your contact information. RateGenius also allows for co-applicants when applying to refinance.

In addition to car refinancing, RateGenius also offers lease buyouts at the end of your contract period. You can also explore vehicle service contracts to help you mitigate the costs of unexpected repairs as well as routine maintenance. GAP waivers are also available to assist you in case you total your car while you still have a loan balance. This insurance policy covers the difference between the value of your car and the amount you still owe on your loan. Customer reviews for RateGenius average 4.9 out of 5 stars.