rateGenius Auto Refinance
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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).
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 auto loan refinancing product that ranges from 2.99% APR up to 25.87% APR.
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 are 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.
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 and their covered dependents 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 are, of course, eligible for the services offered by rateGenius Auto Refinance. Permanent resident / green card holders are also eligible to apply.
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 car age to refinance with rateGenius?
Only vehicles that are 16 years old or less can qualify for an auto refinance.
What is the estimated funding time for an auto 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?
rateGenius Auto Refinance reports your account activity to the following credit reporting agencies:
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
- 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
|Employment Statuses Considered||
|Immigration Status Considered||
|Joint Loan Applications Accepted||
|Maximum Vehicle Age||16|
|Supported Income Types||
|Verification Documents Required||
|Approval Speed||24 hours|
|Credit Bureau Reporting||
|Funding Time Range||1 - 7 days|
|APR (Fixed APR)||2.99% - 25.87%|
|Loan Amount||$10,000 - $90,000|