Refinancing your car, truck, or SUV
is quick and easy!

rateGenius refinance customers save an average of $60 or more off of their current monthly car payment, and on average reduce their interest rate by 3.5%. Refinance today with no payments until 2008, and use the savings toward the upcoming holidays.

rateGenius offers:

	An automated system for quick turn-around of refinance applications,
	Simple interest loans with NO prepayment penalties,
	Guaranteed Auto Protection (GAP) Insurance,
	Extended warranties with the most comprehensive coverage, and
	Coverage in 42 states.

We will find the best rate, term, and payment to fit your lifestyle from within our network of numerous national lenders. Our customers may enjoy up to 60 days before their first payment. And best of all, our refinancing service is FREE!

Example of Savings

When you purchased your automobile, you may have received a higher interest rate than you deserve. In order to get the finance rate you are entitled to, you should let rateGenius work with our extensive lending network to get you that reduced interest rate. Whether you are looking to reduce your monthly auto payment, acquire a lower interest rate, shorten the term of your loan and/or take up to a 90-day break from those payments, rateGenius can help.

Once our Loan Officers understand your unique financial situation and goals, they will be able to explain how much money you can save by refinancing. They will also be able to review the products you purchased when acquired your vehicle, such as your Service Contract or GAP coverage, to make sure you received a fair price.

rateGenius works with customers in all credit spectrums. We have been able to save thousands of dollars for people with perfect credit and those who have had credit problems in the past.

Reduce your Monthly Vehicle Payment

This example shows how rateGenius can lower your payment and save you thousands over the life of your loan. Through the rateGenius Automotive Refinancing process this customer saved over $73.81 per month and $4,428.60 over the life of the loan.

Loan Amount - $30,000

	Original Loan	New Loan
Term	60 Months	60 Months
Interest Rate	12.5%	7.5%
Payment	$674.95	$601.14

Shorten the term of your loan

In this example we will shorten the term of the loan by 6 months and reduce this customer's interest rate. rateGenius was able to reduce their monthly payment by $13.60 per month, save them $3,434 in finance charges, and shorten the time until their vehicle is paid in full. By doing this, the customer also has a better opportunity to build equity faster in their vehicle.