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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?
APRs for auto refinance loans through rateGenius range from 2.99% .
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
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- Washington, DC
- New Hampshire
- New Jersey
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
- U.S. Citizen
- U.S. Permanent Resident
- Employed Full-Time
- Employed Part-Time
- Active Duty Military
- 1099 Misc. Income
- Direct Deposit (W2, SSA, SSDI)
- Payroll Check or Prepaid Card
- Driver License (or other photo ID)
- Proof of citizenship/residence (Green Card)