rateGenius Auto Refinance
in Auto Loan Refinancing from rateGenius
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rateGenius Auto Refinance

in Auto Loan Refinancing from rateGenius
SuperMoney Net Recommendation Score +31  


This product is mostly recommended by SuperMoney users with a score of +31, equating to 3.6 on a 5 point rating scale.


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.

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Community Rating Mostly recommended
Credit Score Range 600 - 850
Loan Amount $10,000 - $90,000
APR  (Fixed APR) 2.99% - 25.87%
Loan Term (Months) 24 - 84 months
Number of Reviews 36

rateGenius Auto Refinance Review

rateGenius auto refinance is an auto loan refinance offering by rateGenius, based in Austin, TX. Founded in 1999, rateGenius offers auto refinance loans in 48 states (and Washington, DC).

Key Takeaways

  • APRs starting at 2.99%. The starting rates for rateGenius Auto Refinance are on the lower end of the spectrum.
  • Lender Network. Unlike lenders that provide refinance loans directly, rateGenius is a broker that works with its lender network to fund your auto refinance loan.
  • Lease buyouts. Offers refinancing to buyout an expensive lease or purchase a company car.
  • Fair credit accepted. The credit score needed for rateGenius Auto Refinance is relatively low. Borrowers with a credit score as low as 600 may qualify for rateGenius Auto Refinance.
  • Vehicle requirements. Vehicles must have less than 150,000 miles and a maximum age of 10 years.
  • Refinancing for large loan amounts. You can refinance auto loans of up to $90,000 with rateGenius Auto Refinance.
  • Fast process. In some cases you can refinance your auto loan within 1 business day.
  • Hard credit pull required. You can't check your rates or see if you prequalify for rateGenius Auto Refinance without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for rateGenius Auto Refinance.
  • Long loan terms. rateGenius Auto Refinance offers loan terms of up to 84 months. Most auto refinancing loans have a maximum term of 60 months.

rateGenius auto refinance Pros & Cons

Pros Cons
  • Low APRs available to qualified borrowers.
  • Available in 48 states.
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Considers older vehicles (max. 10 years)
  • APRs as high as 25.87%.
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • Charges a late fee.

rateGenius auto refinance FAQ

How much can you borrow via rateGenius auto refinance?

Auto refinance loan amounts start at $10,000 and go up to $90,000.

What are the auto loan refinancing rates offered through rateGenius auto refinance?

rateGenius auto refinance offers a fixed APR car loan refinancing product that ranges from 2.99% APR up to 25.87% APR.

What is the maximum loan term you can get with rateGenius auto refinance?

rateGenius auto refinance offers auto refinancing with terms ranging from 24 to 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.

Does rateGenius auto refinance charge an origination fee on auto refinance loans?

Yes, rateGenius auto refinance charges a loan origination fee.

Does rateGenius auto refinance charge a late fee?

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

Does rateGenius auto refinance charge prepayment fees?

No, there is no prepayment penalty.

What do you need to qualify for rateGenius Auto Refinance?

Applicants with a credit score of at least 600 and up to 850 may be eligible for rateGenius Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

rateGenius Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement. rateGenius Auto Refinance will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members are eligible to apply for a loan via rateGenius Auto Refinance. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by rateGenius Auto Refinance.

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

  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit

What is the maximum mileage to refinance with rateGenius?

rateGenius is an option for high-mileage vehicles. They will consider car loan applications for vehicles with up to 150000 miles on the odometer.

What is the maximum car age to refinance with rateGenius?

Only vehicles that are 10 years old or less can qualify for an auto refinance.

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

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

Does rateGenius Auto Refinance report your account activity to credit bureaus?

Yes, rateGenius Auto Refinance reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

rateGenius Auto Refinance 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: 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From rateGenius auto refinance

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.


About rateGenius Auto Refinance


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

Feature Breakdown

No Prepayment Fee
Credit Score Range 600 - 850
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
Maximum Mileage 150,000
Maximum Vehicle Age 10
Military Status
  • Active Duty Military
  • Non-Military
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
Approval Speed 24 hours
Credit Bureau Reporting
  • Experian
  • Equifax
Deferred Payments
  • Unemployment Protection
  • First 3 payments
Funding Time Range 1 - 7 days
Payment Options
  • Automatic Payments
  • Check by mail
APR (Fixed APR) 2.99% - 25.87%
APR Type Fixed APR
Loan Term 24 - 84 months
Loan Amount $10,000 - $90,000

rateGenius Auto Refinance Community Reviews


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This product is mostly recommended by SuperMoney users with a score of +31, equating to 3.6 on a 5 point rating scale.


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.

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