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rateGenius Auto Refinance

in Auto Loan Refinancing from rateGenius

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rateGenius Auto Refinance

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in Auto Loan Refinancing from rateGenius

SuperMoney Net Recommendation Score +34% 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.

Mostly recommended

22 users recommend
3 users are unsure
10 users don't recommend
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Highlights
Highlights
Community Rating Mostly recommended
APR  (Fixed APR) 2.99% - 25.87%
Credit Score Range 600 - 850
Loan Term N/A months
Loan Amount $10,000 - $90,000
Number of Reviews 35

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.

Only U.S. citizens and permanent residents can apply for a loan.

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:

  • Equifax
  • Experian

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.

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: SuperMoney.com 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...

Contact

  • Headquarters
  •   9300 United Drive, Suite 180
    Bldg. 6
    Austin, TX 78758
  •   Visit Site

Message from rateGenius

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

Availability

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

Feature Breakdown

No Prepayment Fee  
Minimum Age 18
Credit Score Range 600 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Maximum Vehicle Age 16
Military Status
  • Active Duty Military
  • Non-Military
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
Verification Documents Required
  • Government Issued Photo ID
  • Proof of Identity
  • Proof of Income
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $10K - $90K
APR (Fixed APR) 2.99% - 25.87%

rateGenius Auto Refinance Community Reviews

 
 

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