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Want to buy a new car for the year end holidays? There are many different loan packages available in the market but choosing the best is not easy. Now, as Christmas approaches, every bit of savings counts. If you refinance your car with rateGenius, you can instantly save an average of $60 or more off your monthly payments. That is not all, you can reduce your interest rate by 3.5%. You can Refinance a Car today with no payments until 2008 and use this savings for Christmas! rateGenius, a Austin based multi-state loan brokerage company, brings together qualified borrowers and lenders to offer the best financing packages for you.