in Auto Loan Refinancing from rateGeniusUnaffiliated
in Auto Loan Refinancing from rateGenius
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rateGenius is an auto loan refinance offering by rateGenius, a marketplace lender based in Austin, TX. Founded in 1999, rateGenius 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 and go up to $90,000.
What are the auto loan refinancing rates offered through rateGenius?
rateGenius offers a fixed APR auto loan refinancing product that ranges from 2.99% APR up to 25.87% APR.
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
- Proof of income
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 credit data to the following credit reporting agencies:
- 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
|Immigration Status Considered||
|Employment Statuses Considered||
|Maximum Vehicle Age||16|
|Supported Income Types||
|Joint Loan Applications Accepted||
|Verification Documents Required||
|Loan Amount||$10K - $90K|
|APR (Fixed APR)||2.99% - 25.87%|