rateGenius Auto Refinance Review

rateGenius Auto Refinance 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?

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 are the key eligibility criteria for rateGenius Auto Refinance auto loan refinancing?

Applicants with a credit score of at least 600 can apply for a loan via rateGenius Auto Refinance. 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 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 loan payments to credit bureaus?

rateGenius Auto Refinance may report credit data to the following credit reporting agencies:

• Equifax
• Experian