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Bottom Line Rategenius uses technology to connect consumers with its network of more than 150 participating auto refinance lending institutions across the country. Pros Several Quotes at OnceGAP Coverage OptionNo Fees If you've had enough of shopping for lenders to refinance your auto loan, without getting the results you want, you may want to take a close look at RateGenius Auto Refinance. It's not a direct lender, but an auto loan refinance broker that helps you find the best lender from a network of participating lenders. It will save you the time it takes to make applications with multiple lenders, since you can complete a single online application and get loan quotes from several lenders at once. And if you have a lease you want to buy out of, RateGenius Auto Refinance can help you with that as well. The service is available in all 50 states and can accommodate even large loan amounts. About RateGenius RateGenius Auto Refinance is based in Austin, Texas, and has been in business since 1999. The company uses technology to connect consumers with its network of more than 150 participating lending institutions across the country. They claim to be the largest and most trusted auto refinance provider in the country, with the most expansive lender network. As a loan broker, rather than a direct lender, RateGenius Auto Refinance provides consumers with access to all lenders in their network. That means you can shop on a single platform from the comfort of your home and have access to loan quotes from dozens of participating lenders. The company believes this will give you access to the best terms and the lowest rates on car loans available anywhere. RateGenius Auto Refinance has a Better Business Bureau rating of "A-", which is one of the highest ratings on a scale of A+ to F. RateGenius Auto Refinance Interest Rates The rate you receive will be determined by your credit score, the loan amount, loan term, vehicle information, credit usage, and credit history. Rates may vary from one region to another since not all lenders participate in all geographic locations. As well, each individual lender will set their own rates. RateGenius General Qualifications: Loans cannot exceed 125% of the retail value of the vehicle being refinanced. The maximum debt to income ratio (total fixed monthly debt payments, including the new refinance payment, divided by your stable monthly income) is limited to 50%. Vehicles eligible for refinancing include cars, trucks, SUVs, and certain specialty vehicles. Vehicles must be in an individual's name, not in the name of the business. Current interest rates range from a low of 2.39% to a maximum of 25.99%. Like rates, fees will vary by lender and state, though they are generally low or non-existent with most participating lenders. For example, most will collect fees necessary to process your title for your state Department of Motor Vehicles. The site does indicate some lenders will have prepaid finance charges associated with your new loan. Below is a sample of interest rates for 60- and 72-month term auto loans at four different credit score ranges, as of January 25, 2021: Loan Amounts Auto refinance loans are available in amounts ranging between a minimum of $10,000 to a maximum of $55,000. In addition, the original loans must have been funded at least one month ago, with at least 24 months remaining. The vehicle must also meet certain eligibility requirements: The vehicle must be under 10 years old. Have less than 150,000 miles. Be a personal use vehicle (no business use). RateGenius Auto Refinance will perform a hard credit pull at the time of application. They also advise that some participating lenders may also pull their own credit reports on your name, which will affect your credit score. However, when you make multiple credit inquiries related to a single transaction, your score will not be affected as long as all additional credit pulls occur within 14 days of the initial check. The minimum credit score requirements may be as low as 550. However, the interest rate you'll be charged for a score that low will likely be at the very upper end of the interest rate range for participating lenders on the platform. Loan Repayment Terms Loan terms range from a minimum of 24 months to a maximum of 84 months. You should, however, be hesitant to go with a longer-term loan on a refinance, since an 84-month loan, in particular, has the potential to last longer than the vehicle will. RateGenius Auto Refinance does permit you to get financing to purchase a leased vehicle once the lease term is up. Refinance Calculator This is a tool provided to help you see if a refinance will save you money. You'll enter your current loan information, including the original loan amount, the current balance, your interest rate, and the original term of the loan. Next, enter the new loan information, which will include the new loan term and the new loan interest rate. The Refinance Calculator will show you the new monthly payment, the monthly payment savings, and the total payment savings over the life of the loan. Getting Started You'll need to meet the following requirements to be eligible for a refinance: You must be 18 years old or older. Be a US citizen. Have a minimum income of $2,000 per month. Have an existing loan (no new purchases). Know your current vehicle information, including the vehicle identification number, current mileage, and make, model, and style of your vehicle. Know the name of your current lender, and current monthly loan payment. Have ready your physical address, email address, and phone number. If you're self-employed, you will need to provide your net monthly income (after business expenses). Specific income documentation for self-employment will vary by lender. If you're unable to qualify for a refinance based on your own income, many lenders do permit adding a cosigner to the application. Anyone who is over the age of 18 and resides in the same state as you can act as a co-applicant. However, that person will have to provide information directly, rather than relaying it through you. Once you've completed the application, you should begin getting refinance rate quotes within 24 to 48 hours. Once your loan is approved, your loan documents will be available for review on the website, or you can have them delivered to your home by UPS. The documents can be returned electronically or by using a prepaid postage envelope. RateGenius will then handle the payoff of your current auto loan, transfer the title to your new lender, and transition you to your new lender. Learn more: How to Refinance a Car Security RateGenius restricts access to non-public personally identifiable information to only their employees and agents who might need that information in connection with the services they provide. The company maintains physical, electronic, and procedural protections that comply with federal and state laws to safeguard your information. Customer Support Customer contact is available by phone and email, Monday through Friday from 7:00 AM to 8:00 PM, and Saturdays from 9:00 am 5:00 pm. Live chat is available Monday through Saturday, from 9:00 am to 5:00 pm, all times Central. The website also has a Learning Center page that has dozens of valuable articles dealing with all aspects of auto loan refinancing. For example, they address refinancing your loan after bankruptcy, the benefits of credit unions, buy versus lease, and an explanation of what a lease buyout is. Pros and Cons Pros: Auto refinance loan broker, giving you access to rate quotes and loans from more than 150 participating lenders. The multi-lender format offers you an opportunity to get the best rate and terms for the loan you want. RateGenius offers GAP coverage if the amount of your new loan is greater than the value of your vehicle. That will prevent you from having to pay out-of-pocket to pay off your loan if your car is totaled. RateGenius charges you no fees to use the platform. Available in all 50 states. Cons: Auto loans being refinanced must have a minimum of 24 months remaining to be eligible for new financing. Refinancing is not available for vehicles used for business purposes. Rate quotes will require a hard credit pull, which will affect your credit score. There's a simple-looking "Explore Your Options in One Click" page, that redirects you to a complete application before providing you with any rate quotes. RateGenius is generally designed for those with fair/average or better credit. Alternatives to RateGenius If you're unable to find a suitable refinance through RateGenius there are plenty of alternatives. LightStream If you have good or excellent credit, some of the lowest rates available can be had through LightStream. They specialize in loans for borrowers with good credit, and you can borrow up to $100,000. Next Steps: Check Rates with LightStream myAutoloan Another popular online auto loan marketplace ? and one that may be good for borrowers with bad credit ? is myAutoloan. They can accommodate slightly smaller loan amounts, starting at $8,000, as well as credit scores as low as 500. Next Steps: Check Rates with myAutoLoan LendingTree LendingTree is quite possibly the best-known online loan marketplace. They have the advantage of not only providing auto loans, but also every other type of loan. That includes mortgages, credit cards, student loans, business loans, and personal loans. It has anything to do with loans, LendingTree's got it. Next Steps: Check Rates with LendingTree Read our full LendingTree Review. You can check out my post about the Best Auto Loan Rates for 2020 that will offer these and many other auto loan sources. Is RateGenius Auto Refinance For You? RateGenius is for anyone who wants to get competitive interest rates from various lenders but doesn't want to make a dozen or more individual applications at direct lenders. You can complete a simple online application and get quotes from multiple lenders. That will enable you to choose the one with the best terms and rates for you. It's best used by those who have fair credit or better. This will be particularly beneficial if you took a high-interest rate loan at the time you purchased your car ? likely because you obtained financing through the car dealership ? or because you have bad credit at the time, and have since improved your credit score. If you do have a high-interest rate loan, and your credit score is at least 640, you should be able to get a new loan at single-digit interest rates. RateGenius can also accept refinances on higher mileage cars since they'll go up to as many as 150,000 miles. However, it will not be a good choice if your vehicle is 10 years old or older, and it won't accept applications if you have fewer than 24 months remaining on your current loan. The best auto refinance companies offer comfortable interest rates and work with transparency and reliability. Not only that, they also feature multiple refinancing options, educational resources and supportive customer service. Read on to see our top picks in 2021 and learn what you can do to get the best loan terms for your needs. The 6 Best Auto Refinance Companies of 2021 LendingTree: Best Marketplace for Refinancing Auto Loans Compare rates with various lendersHas its own support staffQuote request form takes less than five minutesYou may not qualify for advertised ratesThere may be limits on some loans LendingTree is a marketplace where you can compare rates for just about any financial product, including auto refinance loans. The company's approach is simple: you submit a short form online, and the website connects you with up to five different lenders that can help you refinance your car loan. LendingTree also has its own customer support staff now so you don't have to depend solely on the lender you're matched with. If you have any queries about your lender or LendingTree's services, their staff will be there to help you. Ads by Money. We may be compensated if you click this ad.AdCompare loan rates today with LendingTree!Get Started rateGenius: Runner-up for Best Marketplace Loan terms between 24-87 monthsOver 150 partnered auto refinance companiesWill handle the back-end work for youRequires minimum income of $2,000/monthRequires a hard credit checkApproval can take up to 48 hours rateGenius, another well-established rate comparison site, focuses on keeping refinances within your existing term length so you won't pay more over the life of the loan. If you can get a better rate with one of their lenders, you'll work directly with rateGenius' lending specialists to complete your loan application. rateGenius will even handle the back-end work, such as making sure your old loan gets paid off on time and that your new auto loan is set up correctly. Ads by Money. We may be compensated if you click this ad.AdThe fast and easy way to refinance your auto loan.Get Started Autopay: Best for Refinance Options Rates as low as 1.99%94% loan approval rateAllows co-applicantsCash-out refinance and lease buyout availableNo application feeVehicle restrictionsMay require a down paymentMay charge prepayment penalty Autopay offers a multitude of options for refinancing your car, including the industry rarities cash-out refinancing and lease buyouts. The company also promises to work with borrowers with low credit and find them suitable rates. Buyer beware: The company has not provided timely responses to any of the complaints filed against them in the CFPB. Customers allege misleading information, improper use of personal information and even fraudulent practices. Although the complaints are few when compared to other lenders, these allegations should warrant a prompt response. Ads by Money. We may be compensated if you click this ad.AdView Rates PenFed: Best Auto Refinance Rates Ability to refinance 100% of your car loan balanceProvides rate discounts for using its car buying serviceEasy online application takes less than five minutesZero application or processing feesNo prepayment penaltiesOffers credit counselingExcellent credit required for best ratesMembership is requiredPenFed auto loans are not eligibleNo cash-out refinance or lease buyout PenFed Credit Union offers some of the lowest auto refinance rates on the market for both new and used cars. Repayment terms range from 36 months to 84 months. Interest rates start at 2.14% for a new car refinance, and 2.99% for a used car refinance. A new car is one where you are the vehicle's original loan owner, and the car is a model year 2020 or 2019. The maximum loan amount you can get from PenFed is $100,000. Optional add-ons include Guaranteed Asset Protection (GAP), an extended warranty, and debt protection. Minimal requirements to qualifySpecializes in borrowers with low credit scoreMilitary and service members may get lowest rates, down payments, and discountsOffers cash-out refinancingQuick online application takes less than 3 minutes, with a soft credit pullPartner lenders may have high interest rates for low credit applicantsRequirements, rates and loan terms not available onlineOptions limited to the Auto Credit Express dealership network < Auto Credit Express specializes in helping people with average to poor credit get a better rate on their loans, especially if you've been making on-time payments on your current loan for at least 18 months. They do this by connecting you to one of their specialized indirect lenders or via their finance department. There's no credit minimum, but a score of 580 is recommended. Additionally, if you're looking to know more about the lending industry, Auto Credit Express has excellent learning resources, including in-depth blogs and instructional videos. Ads by Money. We may be compensated if you click this ad.AdGet Car Financing With Good or Bad Credit from Auto Credit ExpressGet Started : Best for Fair Credit 30 days to decideNo application feeMinimum credit score requirement of 575Good credentials can get you an APR as low as 1.99%Not available in Alaska or HawaiiMaximum vehicle mileage of 125,000 miles (or 120,000 miles for private party loans)Maximum vehicle age: 10 years connects borrowers with fair credit to lenders with competitive rates and a wide variety of financing options focused on low-interest loans, whether you're buying from a private party, refinancing your car or purchasing a motorcycle. You will need an income of at least $1,800 per month and a credit score of 575 or higher to submit an online application. 's partners don't offer loans lower than $8,000, and the service will do a hard inquiry on your credit report, so don't apply unless you're serious about refinancing your loan. Ads by Money. We may be compensated if you click this ad.AdCompare and Save with Get Started Lightstream: Best for Great Credit Best for good or excellent credit onlyHard credit pull required to applyNo cash-out refinancing Lightstream is an online loan provider backed by Truist, previously known as SunTrust Bank. The lender stands out for its customer service, low rates, flexible vehicle requirements on auto loans, and the $100 back they offer if you're not satisfied after finalizing the loan. The lack of restrictions on car mileage or age means consumers can refinance new cars, used cars and even classic cars. Applicants who meet the high credit requirements can enjoy same-day funding and fixed, low interest loans. Other Auto Refinance Companies We Considered RefiJet The annual percentage rate (APR) starts at 2.49%Offers lease buyoutEducational resources on websitePrequalify with soft credit pulVehicles must be less than 10 years oldMileage must not exceed 150,000 milesNo consumer experience data con the CFPB Auto Approve APR rates start at 2.24%Terms range from 12 to 84 monthsOffers lease buyout optionPre-qualify with a soft credit checkNo application feeNo standout features to rank in our top picks Lendingclub Loan marketplace and rate comparison sitePre-qualify and compare rates from multiple lendersVehicles must be less than 10 years oldMileage must not exceed 120,000Subject to FTC enforcement action in 2018 for misleading "no hidden fees" statement, unauthorized double payments, and an unclear privacy policy, among others. Bank of America Rates start at 3.39% APR if you qualifyLoan terms range from 48 to 72 monthsOffers lease buyoutsCar loan calculator to help determine savingsVehicles must be less than 10 years oldMileage must not exceed 125,000 milesLarge lender with a high number of complaints filed with the CFPB Capital One Online pre-qualification and loan applicationLoan is finalized onlineMinimum monthly income requirement ranges from $1,500 to $1,800Vehicle must be less than 7 years oldAuto loans serviced by Capital One are not eligibleLarge lender with a high number of complaints filed with the CFPB Auto Refinancing Guide Pros and Cons of Auto Refinancing Refinancing saves you the most when your credit has improved after taking out your current auto loan. However, it's not a decision to be made lightly. < Refinancing with a longer term decreases your monthly car paymentsShort-term refinancing saves you money in the long runLower interest ratesA down-payment isn't necessaryExtending the loan term will increase the total interest you'll be payingShortening the loan term increases your monthly paymentsPrepayment penalties and refinancing fees can offset any interest rate savingsLenders may charge an origination fee on the new loanOlder cars or cars with high mileage may not be eligible How Refinancing Affects Your Credit When you submit a formal application, lenders will do a "hard inquiry" or "hard pull" on your credit to check your creditworthiness. This decreases your credit score, although minimally and temporarily. Fortunately, credit bureaus and the VantageScore and FICO Score systems encourage loan shopping by preventing continuous inquiries from harming your score. Multiple credit pulls will only count as one if they're done within a 14-45 day window. Some lenders allow you to apply for pre-qualification, and look at your credit with a "soft inquiry." This won't impact your credit score. Unauthorized hard inquiries are not unheard of, even from lenders that advertise "no hard inquiries," so make sure the lender is trustworthy. If you find unauthorized inquiries on your report, here are steps you can take to remove them on your own. Your score will drop again very slightly after finalizing the loan, because a refinance counts as new debt. Since this new debt is effectively replacing an older debt, the credit drop is negligible. How to Find a Good Auto Refinance Company A suitable lender will help you understand all your options, including those that best fit your long-term financial goals. Take the time to research a lender, whether you found the company on your own or through a marketplace. Start with the following steps: Look at financial stability Credit rating agencies like Moody's, Standard and Poor's, and Fitch Group help you assess your lender's financial health. Healthier financial institutions tend to offer the best auto loan rates, especially if you're a highly qualified borrower. Check customer complaints and regulatory actions Consumers often file complaints with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC). The CFPB's complaint database is public and you can read all the past complaints filed against the company. Try and be thorough, since there's a big difference between "this company had rude customer service" and "this company was sued for $20 million in a class-action suit." The FTC does not publish individual complaints, but you can search case documents to see if a lender has been subject to FTC regulatory actions and the reasons behind it. Expect transparency Legitimate companies will be transparent about their operations, partners, and underwriters. If this information is incomplete or missing, always move on to another company. Be wary of upfront fees Look out for companies that require you to pay upfront for their services. These platforms are trying to make money off of you instead of making sure you're connected with a quality lender. Look into privacy policies Find out how the lender or marketplace protects your privacy before submitting personal information. Legitimate sites will publish their privacy policies online. Keep your eyes open If something feels off with a company, or if the terms of the loan seem too good to be true, chances are they are. Avoid these companies at all costs. Common Pre-qualification Requirements To refinance an auto loan, you need to meet your new lender's requirements. Make sure you learn what these are before submitting a formal application. Current loan payments must be up to date You must be up to date with your current car loan payments or it will be impossible to qualify for a new loan. Current loan cannot be upside down Being upside-down on a car loan means you owe more than the car is worth. If this is the case, you won't be able to refinance your loan. You need to have equity in your vehicle to qualify for auto loan refinancing. Lender specific car-age and mileage requirements Each lender will have requirements for your car's age and mileage. If it's too old or has too many miles on it, you won't qualify for refinancing. Lender-specific minimum balance requirement Each lender has a minimum and maximum amount they'll refinance. If your loan's current balance is too low or too high, you won't qualify. Car should not be "branded" Lenders won't refinance cars that are "branded," such as rebuilt or salvaged vehicles or commercial vehicles. Ads by Money. We may be compensated if you click this ad.AdRefinancing your car loan could allow you to save money on interest, lower your monthly payments, or potentially both.Get the peace of mind you're looking for by refinancing your auto loan and freeing up you monthly budget. Click below to get started.Get Started Cash-Out Refinance If there is enough equity in your current loan, you can refinance for more than you'd need to pay off the existing loan, and keep the extra cash. This is called a "cash-out" refinance. < Lower interest rates than other quick cash options, like personal loans or credit cardsImmediate access to cash to settle other debtsHigher risk of going "upside-down"Higher monthly paymentsFewer lender options, since not all auto lenders offer cash-out refinancing An "upsidedown" auto loan means you owe more than the car is worth. This becomes a problem if you ever need to sell the car. The sale price probably wouldn't generate enough to pay off your negative equity and you'd have to come up with the rest of the money somehow. Refinancing a Car Lease Refinancing a car lease can be used to reduce the high rates on a leasing agreement. However, before deciding, consider the pros and the cons: Reduce high interest ratesLower monthly paymentLose out on the money that you already paid into the leasePay more in prepayment penalties Speak with your lender about a lease replacement if refinancing isn't the best option for you. This just means swapping out your current lease for one with more favorable terms and interest rates. Options for breaking your car lease include transferring the lease, selling your car back to the dealership, or selling the vehicle to another person. Each of these has associated costs, so evaluate each alternative thoroughly before deciding to refinance or break a lease. Tips to Remember about Refinancing Auto Loans Check refinance options with your current lender, especially if you have a long credit history with the company Check that there are no prepayment penalties with your current lender Check if the new lender does soft or hard credit checks before submitting any personal information to online lenders Keep paying your old vehicle loan until you get confirmation from your previous lender that the loan has been refinanced Make sure the benefits of a "cash-out "refinance justify higher payments for the next several years and determine the use of your cash. If the money eliminates a high-interest debt, it may be worth it, but if it leaves you further in debt, reconsider. Your new lender will require proof of insurance. You can stay with your current insurance policy if it fits the new lender's requirements, but if you want to change, look for the best auto insurance companies and the most affordable providers. Steps to Apply for Auto Refinance If you have good credit, you'll likely get a better deal. Having all your information at hand will help speed the application process. While it may take some time, thoroughly researching your new lenders can not only help you compare rates, but also id any red flags. Getting prequalified, when available, presents you as a good candidate for a refinance. Once you've gathered all your documents and have chosen a lender, it's time to apply. Carefully read the loan's fine print and terms. Documents you will need: Social security number Employment information Residence information Driver's license Car registration and mileage information Proof of insurance

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