What our customers are saying

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I was very pleased that I was able to get a refinance for my vehicle. Including when times are very difficult with credit. Sam Armijo is very professional and is able to help you with any concerns and questions you may have. Thanks for the opportunity. I finally have some breathing room on finance. Thanks

Timoteo Balderas

Great customer service quick and painless process. I will definitely use them again.

Will Wyatt

I felt I got professional, helpful and friendly service from my rep named Nick

Shemaiah Bryant

RateWorks was great, everything was fast an simple an all the agents was nice and helpful.

Nicholas Joseph

This was quick and easy and they listened to me instead of selling me - THANK YOU


Sam was great and explained everything very well.

Nina Wilkerson

Sam was so helpful, he made it easy for me to understand everything. He deserves a raise!


Great & Fast.

Kimberley Baxter

Thank you for your big help Mr. Sam Armijo, that was a quick responsed and you did an excellent job. Again thank you and GOD Bless.

Leonila Threlkeld

My specialist Nick was great, he kept me informed on everything and responded back to my questions very quickly.


The process was easy and Nick was very helpful.

K Hughes

Best customer service! Seamless from start to finish thanks to Nick who was always willing to help us and answer any questions and get us the best rate possible.


Sam was very good about keeping in touch with me along the process and answering any questions I had. He also didn’t make me feel hassled either.

Jessica Oxford

My Account rep was super communicative and helpful. He made the process very easy with no pressure!


Nick was fantastic. Loved working with him!!!!

James Friedrichs

Nick was awesome. He made it very easy to refinance my auto loan. I had a decision within days of filling out paperwork to process the auto refinance. I highly suggest Nick with Rateworks.

Dennis Veneigh Jr

I was refinancing my car and Rateworks got me the best offer. They was so helpful and friendly and definitely suggest them to finance anything you are trying to get. They are great!

Jacob Wells

Great service from start to finish. Nick made it all so easy and was always willing to answer any questions.

Gary Crowe

Good work. Easy to understand and with explanation

Dennis Arthur

Working with Rateworks was a great experience. It was an easy process. I was given accurate information from the very beginning.


I love the lower payment that I received. Something I wanted.

Dawn Johnson

Very helpful customer service! And very friendly! Will recommend to friends and family that need to refinance a vehicle in the future!

Cutter Windham

Nick was amazing, got our refi done in a few days!!!!! 🙌🏾🙌🏾🙌🏾


Easy to communicate with. Quick response from the RateWorks team relating to questions or concerns. Great online tools in preparing documents and very easy to use.


Refinance made simple! The easiest process ever! Nick was awesome!

Christie Patterson

The RateWorks way

RateWorks is a direct lender, we are with you throughout your journey ahead. We create our own rates, process our own applications, service our own loans, and conduct our own payment processing.


  • Collects application
  • Processes application
  • Services loan
  • Payment processing

Third party lenders

  • Collects application
  • Processes application
  • Services loan
  • Payment processing

Lead generators

  • Collects application
  • Processes application
  • Services loan
  • Payment processing

With RateWorks, you could start saving today!

Lower your auto loan payments, and lower your rate in a matter of minutes when you refinance your auto loan with us today! It's just that simple.