SuperMoney 

rateGenius

Unaffiliated

in Auto Loan Refinancing

SuperMoney Net Recommendation Score +34% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly recommended

20 users recommend
3 users are unsure
9 users don't recommend
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Overview

Where does rateGenius do business?

rateGenius is a marketplace lender based in Austin, TX. It was founded in 1999 and offers auto refinance loans in 48 states (and Washington, DC).

How much can you borrow via rateGenius?

Auto refinance loan amounts start at $10,000.

What are the auto loan refinancing rates offered through rateGenius?

rateGenius offers a auto refinance loan product.

Does rateGenius charge an origination fee on auto refinance loans?

Yes, rateGenius charges a loan origination fee.

Does rateGenius charge a late fee?

Yes, auto refinance loans via rateGenius are subject to late payment penalty fees.

Does rateGenius charge prepayment fees?

No, there is no prepayment penalty.

What are the key eligibility criteria for rateGenius auto loan refinancing?

Applicants with a credit score of at least 600 can apply for a loan via rateGenius. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit

What is the estimated funding time for an auto loan refinance with rateGenius?

Auto refinance loan applications are typically approved (or denied) within 24 hours and funded within 1 to 7 days of approval.

Does rateGenius report loan payments to credit bureaus?

rateGenius may report payment behavior to one or more of the following credit reporting agencies:

  • Equifax
  • Experian
  •  

 

RATEGENIUS Disclosure: APR is determined at the time of your application, based on creditworthiness and the loan to value of the vehicle. Rate quoted is the lowest rate for qualified applicants.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

  • Headquarters
  •   9300 United Drive, Suite 180
    Bldg. 6
    Austin, TX 78758 USA
  •   Visit Site

Message from rateGenius

Founded in 1999 in Austin, Texas with a goal to impact the financial lives of our customers, 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.

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 48 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Prepayment Fee  
Minimum Age 18
Credit Score Range 600 - 850
850 300 600
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Maximum Vehicle Age 16
Military Status
  • Active Duty Military
  • Non-Military
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Co-borrower
  • Co-signer
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount Starting at $10K
APR Starting at 2.99%

Reviews

 
 

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