Application Process FAQs

Q: How long does the application process take?

A: rateGenius moves quickly to expedite the refinance process. The application takes only a few minutes and within 24–48 hours, rateGenius can put you on the road to saving thousands by refinancing your car, truck, SUV or speciality vehicle.

Q: Do I have to give you my social security number?

A: Your social security number is necessary in order to make an inquiry into your credit history. Keep in mind, your privacy and protection is of great concern and a high priority. All information is obtained securely and guarded in our system. See our Security Statement to learn more about how we store your info.

Q: I don't have my VIN number, mileage or all of the information needed to refinance my vehicle.

A: Enter whatever information you have now and you can complete the application at a later date. Before closing the site, make note of your application ID. If more information to complete the refinance is needed, a rateGenius representative will contact you via email or phone.

Q: Where can I find my VIN number?

A: You can easily find the 17-digit number and letter sequence on your insurance card, registration, original purchase paperwork, on your vehicle's dash or the end of the driver's side door.

Q: Can I apply if I am part-time, unemployed, self-employed, a homemaker or retired?

A: Generally persons with proof of steady household income qualify for refinancing, pending income requirements are met. Individuals who are considered self-employed will need to provide their net monthly income (income after taxes and deductions as opposed to gross monthly income). Persons who do not meet income requirements can include a co-applicant to help meet those requirements.

Don't see your question answered here? Visit our other FAQ pages for more information about rateGenius' vehicle products: