Refinance Your Car with Rate Genius at SaveWithRateGenius.Com

by cclogin December 12, 2022

In this article, we are going to discuss Save WithRate Genius. Through this article, we will try to cover all the important details regarding RateGenius refinancing. Here, you will get the step-by-step procedure to apply for RateGenius Auto Refinancing at So, make sure to read this article till the end to learn more about RateGenius Auto Refinancing.

About RateGenius

RateGenius is an online platform that connects lenders with borrowers that provide auto refinancing. They claim their users save around $96/month when refinancing their auto loan through RateGenius. There are more than 150 lenders in the network, and you can have your details shopped around without hurting your credit score. If you get any match and you decide to move forward, then your application can be processed within 24 to 48 hours.

Pros and Cons of RateGenius Auto Loan Refinancing


  • Options for borrowers with less-than-perfect credit: The RateGenius network is extensive and some lenders also work with applicants with low credit scores.
  • Internet rates published online: You will get the current auto refinance rates by credit rating on the website, and the figures are updated daily.
  • Co-applicants permitted: If you are unable to meet the lender’s income or credit requirements, you can also include a co-applicant when you apply to strengthen your approval odds.
  • Available in all 50 states: There are lenders available in all 50 states.


  • Fees: Few lenders in the RateGenius network access the prepaid finance charges and title processing fees.
  • Limited loan options: RateGenius don’t have auto purchase loans. You only have the option to refinance and lease buyout loans.

Who Should Choose the RateGenius

RateGenius is a perfect choice for those looking to refinance their car loan without spending hours searching for the perfect lender. It is also a good deal for individuals with lower credit scores who are having trouble getting approved elsewhere.

By using RateGenius, you can find a buyout with competitive terms if you are nearing the end of your lease term. But, if you would prefer to buy out the lease before it expires, then you might consider other options to find a lender who can assist.

Types of Loans Offered by RateGenius

RateGenius provides loan refinancing and lease buyout loans.

Auto Loan Refinancing:

You can refinance your car loan via a lender in the RateGenius network could be a smart financial move for a few reasons. Refinancing could make sense if your monthly payment is too high or your credit score improved, and you may qualify for a better interest rate. It is also ideal for borrowers who need to shorten their loan term to pay off their car loan sooner than later and save on interest or remove someone from the current auto loan.

Lease Buyout Loans:

The lenders in the RateGenius network provide lease buyout loans if you plan to keep your leased vehicle. But you must have to wait until the lease is up to apply for financing.

How to Apply for an Auto Loan with RateGenius

Applying for the auto loan with RateGenius is easy, and it only takes around 24 to 48 hours to complete the process and receive your funds. You can easily apply for auto refinancing online or by calling.

Apply for RateGenius Auto Refinancing with Mail Offer

If you have received the mail offer for RateGenius Auto Refinancing, then you have to follow these simple instructions below:

  • Firstly, you need to visit this link
  • Then, from the top right-hand corner of the page, select “Get My Offer”.
  • If you have the mail offer, then you need to click on the “Enter Mail Code” option.
  • Provide your Savings ID on the given field and click on the “Next” button. You will get the Savings ID on your mail document.

Apply for RateGenius Auto Refinancing without Mail Offer

If you don’t have the mail offer code, then you can apply for the refinance manually. To apply for the auto refinance by following these simple instructions below:

  • You need to visit this link
  • Then, from the top right-hand corner of the page, select the “Get My Offer” option.
  • If you don’t have the mail offer code, then click on the “No, Continue” option.
  • Then, select what would you like to change about your auto loan.
  • Select what year is your vehicle from the list.
  • After that, you just need to follow the on-screen instructions to apply for RateGenius Auto Refinancing.

RateGenius Customer Service

If you have any queries or face any issues with RateGenius Customer Service, then feel free to contact the customer service department. To reach out to the RateGenius Customer Service department, you can use the following details:

Call At: 866-728-3436

Email At:

FAQs about RateGenius

Q: Does RateGenius charge fees?

A: RateGenius is an intermediary that connects individuals with lenders with the lowest rates. Although they do not charge any fee, the lender may. Reading through all documents to identify any fees is essential before choosing your lender.

Q: Will RateGenius affect my credit score?

A: Yes, RateGenius will record a hard inquiry on your credit score, but a credit check is necessary to connect you with the best lenders. A hard inquiry can affect your credit score, so only apply if you require a loan.

Q: How much you can borrow from RateGenius?

A: RateGenius auto financing is possible for almost every vehicle with a balanced range between $10,250 to $55,000.


So, this is all about the SaveWithRateGenius. Through this article, we have tried to cover all the important details regarding RateGenius Auto Auto-Financing. We hope, the above-mentioned details, might be enough to apply for the auto refinance.

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