Would you recommend rateGenius to your friends?
Thanks for your vote!
You voted: May or may not recommend
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:
9300 United Drive, Suite 180
Austin, TX 78758 USA
- Visit Site
Message from rateGenius
- Washington, DC
- New Hampshire
- New Jersey
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
|No Prepayment Fee|
|Credit Score Range||
600 - 850
850 300 600
|Immigration Status Considered||
|Employment Statuses Considered||
|Maximum Vehicle Age||16|
|Supported Income Types||
|Joint Loan Applications Accepted||
|Verification Documents Required||
|Loan Amount||Starting at $10K|
|APR||Starting at 2.99%|