The rate information for this financing option is currently unavailable. APRs, loan amounts, and loan terms may differ depending on the lender’s underwriting standards, the applicant’s credit profile, income, debt-to-income ratio, and vehicle details. The figures shown on this page are intended for reference only and should not be considered a final offer. Please contact the lender directly or return later for the most accurate and up-to-date information.
RateGenius does not clearly state the qualifications needed to refinance, so you will not know whether you are eligible until you apply. At a minimum, you must have at least $10,000 remaining on your current auto loan, your vehicle must be less than 10 years old and have fewer than 120,000 miles, and the car must be used only for personal purposes.
Applying for an auto loan with RateGenius is simple, and the full process usually takes 24 to 48 hours from start to finish, including receiving your funds.
To begin, fill out the online application or call RateGenius to apply over the phone. You will need to provide your contact details, the name of your current lender, your current monthly payment, and vehicle information.
RateGenius will share your information with lenders in its network to see whether there is a possible match. If you decide to move forward with a lender, you will need to submit a formal application and any required documents.
Once your loan is approved, the lender will either send the loan documents electronically for you to review and sign, or mail them to you in a prepaid envelope.
