RateGenius is based in Austin, Texas, and is a multi-state, web-based loan brokerage company. By hosting a virtual marketplace, rateGenius brings together qualified borrowers and competitive lenders to create the best possible financing opportunity for our customers. Vehicle Refinance with rateGenius is a quick and easy process because all applications are run through an automated system that allows for quick turn-around of applications. Combined with simple interest loans with NO prepayment penalties, rateGenius makes it easy for any customer to refinance their vehicle. rateGenius also offers consumers products that coincide with the purchase or refinancing of an automobile that will protect their families and their automobiles. When refinancing a vehicle, rateGenius provides consumers with the ability to purchase GAP Insurance, Extended Warranties and Credit Life and Disability Insurance all in a single transaction. In addition to potentially saving thousands of dollars on a current loan, rateGenius can provide all of the protection a vehicle owner needs.