# RateGenius

> RateGenius is a U.S. auto refinance marketplace that matches drivers with more than 150 lenders and coordinates loan documents, payoff and title work. Founded in Austin in 1999, it merged with AUTOPAY in 2021 to form The Savings Group. Its service combines an online application with loan specialists and serves banks and credit unions as well as borrowers.

- **Founded:** 1999
- **Headquarters:** Austin, United States
- **Founders:** Chris Brown (Founder; former CEO)
- **Products:** Auto loan refinancing, Lease buyout financing, Loan Finder, GAP waivers, Vehicle service contracts
- **Notable:** Reported more than $1 billion in facilitated loans during 2017., Announced $8.5 billion in cumulative refinanced auto loans in December 2020., Reports more than 400,000 completed refinances.

## Products & services

- **Auto loan refinancing** — Matches drivers with lender offers and coordinates documentation, payoff and title work.
- **Lease buyout financing** — Helps lessees apply for financing to purchase their leased vehicle.
- **Loan Finder** — Launched as an anonymous five-question estimate tool; estimates are subject to credit verification and lender approval.
- **GAP waivers** — Vehicle debt protection subject to contract terms and exclusions, offered alongside financing.
- **Vehicle service contracts** — Optional coverage for specified vehicle repairs, subject to contract terms.
- **Lender origination and fulfillment** — Filtered applications, loan-system integration, validation and perfected titles through a pay-for-performance lender program.
- **FinanceGenius (historical)** — Internal origination software licensed to lenders from 2011; current standalone availability is unverified.

## Achievements

- Reported more than $1 billion in facilitated loans during 2017.
- Announced $8.5 billion in cumulative refinanced auto loans in December 2020.
- Reports more than 400,000 completed refinances.
- Received an Austin American-Statesman Top Workplaces award in 2020.

## Latest updates

- **2026-06** — Terms of Use and Privacy Policy updated June 16; both identify The Savings Group and its operating brands.
- **2026-10** — Published an October 16 guide explaining when refinancing two years into a loan can make sense.
- **2026-10** — As reviewed October 24, the site advertises $139.55 average monthly payment reduction for customers from April 1 through September 30, 2026; this is a company-reported cohort average, not guaranteed savings or lifetime interest savings.

## Links

- Website: https://www.rategenius.com/
- LinkedIn: https://www.linkedin.com/company/rategenius/
- Twitter/X: https://twitter.com/rategenius
- YouTube: https://www.youtube.com/channel/UCghHSPAXyndZ8vsaYWDvBJQ
- Instagram: https://www.instagram.com/rate_genius/
- Facebook: https://www.facebook.com/rateGenius/

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Profile page: https://yespress.io/rategenius
Published by YesPress — https://yespress.io
Last updated: 2026-10-24