rateGenius, Inc. Reviews

Rate genius helped to refi my truck and cut my interest rate in half.

Ryan made this experience so VERY easy.. and best of all , to our pocket book, the most economic. Thank you RateGenius!

your customer service representative sucks! When people are calling about something, he doesn't need to be rude! I am a customer trying to bring my business to you and he just gave me attitude!

I m with Brandy Richard s review, saw they were offering a lower rate on Credit Karma and they were 3% higher with all my information. The rep I was dealing with was more than unprofessional and unresponsive to my questions via email. Claims he never got them. Why would I want to deal with a company that doesn t respond back to me or answer any questions that I asked? I dodged a bullet going with this company the Customer service alone states it all. You won t get any!

Several offers. Process took about 7 business days to complete

My rap was amazing a the whole process fast and easy.. I would highly recommend them if you're looking to refinance your car and save money I went from a 6% interest rate to a 2.9%

friendly staff, easy process, was hoping for a better rate...but overall very good experience.

I was a little suspicious at first because of how simple it was. I fille din all the info and the next I had someone call me and link me with a bank to do my refinancing. IT WAS SO EASY and I saved a ton of money on interest

I never have had a group of people help me and be so respectful as RateGenius. They helped me understand every little thing was patient with me as I made my decision never rushed me once and stayed right there with me through the whole thing and still is right there with me even after the deal was done. Best choice I made going through them and will always recomend and use them.

Found me a much better rate. Prices was quick and easy.

I had flipped through Credit Karma, and ran across Rategenius. My credit score has been very good for several years now. The initial feedback from Credit Karma was that I would most likely qualify for a lower rate and lower monthly payment for my auto loan. I just paid 3 months of payments, and a large $3000 payment was made. I m thinking I would be a shoe in with a 759 rating. I was baited with 3.5% , and $550 monthly payment. So I applied, but they could not find a better rate than my current one, 4.45%, it was higher for some odd reason. But the payment was lower to $540 per month. No brainer, bad deal. The analyst was straightforward and honest that she couldn t find anything better. Here is the kicker, 2 hard inquiries were made against Experian by 2 different Rate Genius companies. So, bad deal, 2 hits to my credit scores...

I don t recommend them, and if you are using the Credit Karma app, definitely don t get fooled like I did with Credit Karma, that app is upselling services.

Lowered my interest rate 8% points. Quick, easy process. Very happy with the results.

I had a positive experience with rateGenius. The process was simple. There were no fees. Just $5.00 to open an account with the credit union the approved my loan. The rateGenius representative was able to find me a rate that shaved more than 8% off of my previous rate! The only thing that I was not happy with is when the rep seemed to try to scare me into purchasing GAP insurance that I clearly told her I did not want. In spite of that, she was professional and friendly. Other than that, I would definitely recommend rateGenius to refinance your car loan. Thank you again for your great service! :-)

This was crazy easy! We were able to save 4% on our interest rate! We also got Gap insurance which my husband did not get when he originally purchased his truck. We have seen first hand the value of paying for this extra! I would recommend RateGenius and have told others about it!

I can't believe I trusted what i read. my current auto rate is 3.0 3 weeks ago I was approved for 2.99 (720 credit score) since then I have paid off 90% of my debt. They ran my credit & came back with 3.99. What a joke.

So easy to work with, did everything through email and FedEx. No extra fees. Fast process.

I don't usually ever use an on-line 3rd Party service, but WOW !
Rate Genius is awesome and searched the NATION for the best % rate loan for me. I saved over $12,000 in interest ! I highly recommend them.

Roger

This company offers nothing but a scam. I refinanced my car saving $35 a month. However they added another 7 payments onto my contract so I am actually spending more money than I originally was. Their sales rep totally lied to me about how much money I was saving. My fault for trusting them and missing those extra payments on the contract. Steer clear of this company.

quick and easy service and they got me a good rate..

Not only were they able to refinance my vehicle cutting my interest rate almost in half, but they also got my Harley refinanced at a much lower rate! Great customer service, and an easy process!

Great experience, personally, and they got my APR dropped by over 11 points and saved me over $200 per month!! Thank you so very much!!

This was the easiest way to refinance my car loan. Gave them my info, one phone call, and an email. Less than a week had a new loan and cut my interest rate from 9% to 4%. Literally did it all from my phone maybe took 10 min total of my time.

This company gets you going very quickly and they find you the best rate possible. Even my own bank couldn't get anywhere near this good. I learned my lesson always go through a broker, they can find you the best deal. I shaved off several points and time on my vehicle loan. Just so everyone knows I'm a veteran and I would recommend them to everyone.

IF YOU WORK WITH THESE PEOPLE CHECK YOUR LOAN DOCUMENTS LINE BY LINE. After going through the process for the loan which I was approved for (no surprise my current score is 745) with a nice low rate he kept focusing on the monthly payment. I finally had to ask him what the rate is? He tried to play it cool like he forgot but it was higher than we agreed but still less than 1/2 my current rate. When the documents showed up I reviewed them he had tacked on $2174 for a vehicle warranty, and another 600 for GAP insurance, plus some other items. I just told him to terminate my loan a few minutes ago and not to bother calling me back so let's see if they can follow instruction.

Based on the response from the owner below. I NEVER voiced any interest in the vehicle warranty. The car is in perfect working order and it makes no sense for me to get a 2174 dollar warranty for a car that only has about 8k left to pay is only worth 10k. I take good care of my vehicles and anything short of a blow engine I would do the work myself. Brakes, Radiator, Tune Ups, etc, etc, etc.

They made refinancing my car SUPER simple after I had already had a terrible experience with another company. EXCELLENT customer service as well. The man that helped me made sure to personally follow up and also get a small bump in the road handled ASAP. It was an awesome experience.

I had a bad experience with a inexperienced loan officer. I don t know how the rest of the company operates, but based off of my experience, I would not recommend using RateGenius. My loan officer, Jordan, dropped the ball so many times I wanted to walk away and drop the whole process several times. The only reason I kept playing the game was because they ran my credit and I didn t want my report to take another hit if I went with a different lender. Borrower beware

Rate Genius is awesome! I tried multiple times to get my car refinanced but no luck. I try Rate Genius and within 5 minutes i was approved. They cut my monthly bill nearly in half which is a great help. Thank you rate genius!

A total and complete NIGHTMARE! First of all you don t deal with one person, you deal with a dozen people! So far we re up to five who keeps sending us the same documents over and over to sign. We ve had to pay for 2 notarizations already, and we re now going on the third time needing a power of attorney, after telling us yesterday that we were all set, however today we get more paperwork for the same exact thing we already signed and notarized. You never hear back from these people either unless they want something.. We call and call, and we never get a phone call or emails back. Rate genius is really not a genius at all but a total nightmare! Good grief!

They are rude! Credit Karma offered Rate Genius to lower my interest and car payment at a certain amount. But after giving my full information with social security the rate wasn t accurate after all. And when the consultant from Rate Genius called me to let me know I was approved but the rate was different I declined and his reply was okay, well it s your money sarcastically.

When I was using CreditKarma I was notified that I had been pre-approved by RateGenius for a lower auto loan rate. I applied for refinancing and got an email saying that my agent name and email address are this and that. I emailed the agent asking for details and have never received a response. After a while I got an automatic email saying that they have not been able to find any lender with lower rate for me and my case is closed. I got a hard hit on my credit history for nothing. The RateGenius ads are misleading and their workers are unprofessional. Beware, most of the 5-star reviews look fake and may have been added by bots.

Our agent Rayon was amazing! He messaged me via email, and from there we started texting and he was always available for me! He recieved all my info through text and answered all my questions right away. I felt like i had a good friend helping me refinance my car! Id gladly recommend this company to anyone!

I will definitely use them again. Robert helped me with the refinance of my car and they also got me better auto insurance. Perfectly pleased!

Fabrizio Silva was so nice to work with, quite frankly I had little faith in a company that was being so highly pushed through credit karma but my interest rate was slashed more than half what it was and the whole experience was super easy and helpful!

Great experience!!! Rate Genius and my loan officer helped me get a lower interest (half of previous rate) which in tureen got me lower monthly payments. I will suggest anyone go to them to get better internet rates.

The process to apply for my auto loan refinance was easy. My account representative Angle was there for me when ever I needed him. Rate genius cut my auto loan INT rate in half and saved me almost $50.00 a month! There was no additional charges And I did not have an auto loan payment for a month! I d recommend them to all of my friends and family!

Saved tons of money on interest charges by refinancing with rate genius. Went from 18 % to 4%. Thank you rate genius I really appreciate it.

I thought refinancing my car was going to be a difficult task but they guy that helped me made it an easy one and got me a good rate

They were fast and to the point. Straight forward and honest. One of the smoothest financial deals I have ever done. I would recommend them to everyone!

Bad experience. Not happy with being lied to. Not happy about having 5 missed calls per day when I CLEARLY STATED that I work 12 hour days and can only be contacted on specific days to accommodate Rategenius's hours of operation. Not happy about all these sign up fees and other charges that were avoided until the 2 hour phone call I finally had with someone that wasn't my quote specialist. "Jason didn't mention that this Offer would push our your next payment and he's out of office for a few weeks. And this offer is expiring soon. So we need to do this now or never."

Complete BS experience. I hope whatever call center they work in at least provides them good pay and perks, cause I can't imagine that they love countless followup calls that lead to nowhere.
I don't believe that all these positive reviews are legitimate, either

Also, I hope your Rategenius reps are licensed to be giving all of this unwarranted financial advice. because it's definitely NOT a sales pitch.

The deal they come up with added three more months to my loan but at a much lower rate. That was disappointing. I m hoping I ll make out in the end.

Explanations for how to complete the paperwork, etc. were a bit confusing but my questions were answered satisfactorily so that I got it all accomplished. There was a short timeline that put some stress into the preparations. I have obligations where I live that slowed down the process and I had to drive across town to find an UPS store that was open that evening so my paperwork would get there on time.

All around great experience with them. My credit wasn't so hot when I got my last auto loan. After a few months I went to RateGenius looking to refinance and ended up getting my interest cut by 10%, saving me about $3500 in total.

Put a deal together that saved me 13,000 dollars, and cut my interest rate in half. They did it in a two week time frame.

Friendly and quick service. Got me a great rate and the monthly payment in the range I was looking for. Patiently answered my questions, and always got back to me in a timely manner.

Great Experience. They gave me 3 options for refinancing my truck and were quick in getting things done. They were also very helpful in answering any question that I had.

Easy application process, customer friendly, great customer service and excellent follow-up. Was able to select a much better rate which will result in significant savings.

Great service, saved me a lot when budgeting for home & auto insurance! These folks are awesome, down-to-earth and will help find the best that fits your budget!

Rate genius was quick,easy and will save me over $ 2,000 over the life of the loan.

Daniel Roche has excellent customer service! I couldn't ask for better assistance with my loan process. Daniel exceeded my expectations of how I assumed the loan process would be! He made it very easy and understandable! I commend Daniel for his excellent work and patience throughout my loan process! Keep up the good work!

Rate was great but poor customer service skills (lack of communication)from my loan officer

Good Costumer Service, Paper work little overwhelming but over all Best and Fastest Way to Refinance Your Car with A good Credit.

This has been going on for over a month and a half now was told that was just waiting on verification of employment. They called once not again. Will not answer my call text so now I'm 5 days late on my payment. I was thinking why pay the payment if we are about to re finance the car. Look what that got me. Thanks Arlo

First they accepted my application for half my apr , when I accepted Offer, then rejected telling that I m not United States citizen. I was never asked any question while applying I m us citizen or not? Then why did you accepted my application and run my credit history? Don t you think this is illicit bussiness ?

Very disappointing. Be prepared to give as much of your information as getting a 'home loan' , which is very time consuming.

I decided to go with a different lender and pull my 'approved' loan.

Nobody answers your call. Every time someone with customer service answers you must disclose your full social and all personal info to a stranger just to be put endlessly on hold.

The initial process was easy, getting approved so I could refinance my vehicle. Once I decided who to go with, that is when I started having issues. I started the process near the beginning of August, it was flying by and I was told I should have payment soon. But then there was issues because I changed from a married name back to my maiden name. I was told to send in multiple documents supporting the name change but nothing seemed to work. I dealt with this issue for over three weeks. I finally complete everything that was asked of me, which included filling an amendment of my name change at the court house. This document was sent in. A week later, I get a call stating that my current agent no longer worked for RateGenius and that my new agent was needing documents from me. I was frustrated because I felt like I was starting over. Once the new agent reviewed my file, after I explained what all I completed for the other agent, my new agent apologized for the hoops I jumped through and stated he would get everything taken care of. Within a week and a half of working with my new agent, I was told the loan was approved and my care was refinanced. The process was frustrating and I don't know if half of what I encountered was necessary. I feel things could have went better. My new agent moved things along and I was happy once he provided the good news. I still have mixed feelings about RateGenius.

First time to refinance a vehicle so I had no idea what to expect. rateGenius made the process so easy. They found me a great rate with a local credit union. Emailed the paperwork to me and showed me exactly where I needed to sign off on all the paperwork. If I had a question, my rep, Matt was an email or phone call away. I can't recommend rateGenius enough. Thank you!

Rate genius helped me go from a 11% interest to 4.49% interest

It was awsome! They gave us a better % Rate than our credit union and everything they said they would do ,they did.Awsome just Awsome!

RateGenius helped me secure a loan for my wife's van with a Federal credit Union that I didn't even know existed. At that time (2016) 1.99% for a 5 year loan. I have since paid off the loan and now purchased a new vehicle for myself. Thanks to RateGenius I knew exactly who to go to for my next loan and secured a 2.99% loan for five years with a .25% deduction for autopayments. 2.75% (2018). I would have given it five stars if there was a way to terminate the offers that continue to come in after I made my decision.
I highly recommend and would consider using RateGenius over again and again.
Happy story and ending......The End.

Very professional services and painless process. I strongly recommend it .

I cannot recommend this company enough. I needed to refinance my car because I had an awful 15% APR and Credit Karma recommended Rate Genius to refinance. My loan officer was Nathan Lang and he was the kindest, most helpful and patient person I've never met. He found the best credit union for me and explained things to me that I didn't understand very well like GAP insurance. They are saving me almost $600 this year. I have nothing but good things to say. Nathan deserves a whole lotta praise because he is a huge asset to the success of this company. Thanks for everything, Nathan, and Rate Genius.

Only if I could rate them with no stars. I would not recommend you to refinance with RateGenius. You will most likely be given excuses, like the one I got, "I don't have a lender that can beat your current rate". Do not waste your time here.

They made it so easy to refinance my car, they took care of my request and got it done in 3days!!!

RateGenius is the best company! They get results very quickly and respond to every email. I would highly recommend this company to anyone.

Helped me refinance my car from 11 to 5.2%. A lot easier to deal with than the several other companies who were just pushy and too much about the sale. I had a great guy, Frank Mendoza. I would definitely work with them! They give you options, and communicate how it works for you.

I had the best experience with refinancing my car. Erik Smith was my agent and was extremely helpful in answering all my million questions. I could call him any time. The entire process was completed in 7 days and Erik did all the work, I just signed the paperwork.

I would recommend my family and friends to this company I am very happy and satisfied.

Friendly and well-versed staff. Didn't stop until they got me the best rate. I'm so appreciative! Ended up saving $200/month on my car payment.

Great service and process was seamless. Definitely recommend!

I had an awesome experience! I refinanced my husband s truck through them. Thien was awesome!

My experience with rateGenius was consistently good. From initial contact, through the process, to my actual refinancing of my auto loan. The representative, although very busy, kept in touch with me each step of the way and was always thoughtful to respect my schedule, availability and questions. I felt confident that he was sincerely finding me the best rate. The transition from my present auto loan through the my bank by way of the dealer to a credit union at a much better interest rate and terms was very encouraging. I am a very satisfied customer and would recommend rateGenius as a trustworthy source to help with your finance needs.

Horrible experience! I haven t had a more difficult time trying to refinance my auto loan. I applied and got approved but when it came to the paperwork they continually kept asking for more documentation. I would send them the information and they would come back and ask for more documentation again and again. All the while I pushed back my current car payment under the assumption it would be paid in a timely manner, well it wasn t. I now have a late payment to my current lender and still don t know when or if the loan will be paid off. The communication is atrocious and the whole process is a disaster. Stay away from this company!

Very high level experience. Extremely satisfied with knowledge and service.
Very quick and positive result.
Will be back to them if needed and will highly recommend.

Thank you!

Aaron B,and the entire team, who worked on my Application, were so very attentive, professional and courteous from beginning to end. I definitely recommend their services!

Excellent customer service and prompt pay-off for Car loan!

Courteous, efficient and quick turn around on financing, approval, documents and approval. Highly recommend.

If you are not happy with your Car Loan interest just contact RateGenius,
My interest was @ 15.9 % and now is only 2.49 %
Thanks

Terrable service. I have a 720 credit score and have no debt other than a car payment with 11k left on loan I have more in savings than what i owe and wanted to lower my monthly payment and the 7% interest rate i have and they wont refinance me cause i was laid off about a week ago after working at a company for 6.5 years. After i was approved I emailed 2 times, called 3 times to finally get ahold of my finance officer anthonei mitchell then i told him im wanting a lower payment due to being recently laid off which i also put in my application i was unemployed and then he said oh i didnt know you were laid off... then next day said he couldnt find a lender for me cause im laid off.and im laid off due to covid affecting my workplace... what a great company this is....

You can't ever get a hold of your loan officer and it's been over a month since we started the process. I've emailed, texted, and left voicemails and very rarely do I ever get an answer or call back. I literally started to refinance my house a week after this and we've already closed on that. How is it easier to refinance a home than a vehicle? I'm really regretting having used this service as it has become more of a headache than anything else. It feels like they are really unorganized and forget they have clients.

This is a fantastic service. My advisor kept me informed every step of the way. She found me a much better deal, with better terms than my own bank would provide. I will use them every time I need to do business.

A little more back and forth than I would have liked, but overall the process was smooth and everyone was very nice and knowledgeable.

RateGenius helped me re-finance my car and cut my interest by half! The whole process was simple, easy, and quick. The staff at RateGenius were helpful and always available whenever I had questions.

Can't believe how easy and painless it was. Our loan officer Rebecca S. was great! Always answered back to all of our emails quickly. Will refer all of our family or friends to rate genius!

Quick and easy process, no hassles. Excellent service!

For the most part I was satisfied with how everything went couple glitches but got him smooth out that's why I gave them a four we'll see after my payment start!

Better than expected, excellent communications, excellent experience!

I like that you can talk to a real person .They always answered my questions

My experience with the people at Rate Genius was amazing. They helped me as well as went out of thier way to make sure I had exactly what I needed... A much better APR, and a good deal of savings.
The employees at Rate Genius are kind, professional and efficient as well as devoted to their purpose of helping people.

Just like walk in the park to refi, cut my existing by half, very easy to work with personnel