rateGenius, Inc. Review

I have never been so disappointed in a company before. Not only did this process take 3 weeks to handle, every time they said they needed one more piece of information, once they received it, they needed ANOTHER piece of information. They tried to send me to the ups store to drop of documents to send to them 4 different times. Then the rep that was first helping me went on vacation without even telling me so now multiple reps were sent to finish the process. After all this headache I ended up canceling the process and will go to a different company. So unorganized and poor communication. DO NOT GO THROUGH RATEGENIUS!!! It is not worth the money savings

Hi I had the same issue myself with rate Genius more like rate failure I filled out policy papers from them you guys took my driver's license info proof of residents insurance policy currently job and you guys ask for my email address I mailed all my personal information in and called. Left voicemail never no return called waisted all my time and the streets from getting my hopes up high really is this how rate genius do people the deception is real don't trust them.

Very helpful staff. Hassle free transaction. Very pleased.

Really needed to refinance my car and they helped me every step of the way and went above and beyond to get it done for me! Thank you guys!

Terrible service they never answer their phones... Everything is on their time only

very easy to work with and fast, saved a lot of interest on our auto loan

Great experience! My representative Ann was courteous, prompt and professional.

Was put on hold for 6 minutes then a Sabrina answered- I introduced myself then she hung the phone up.

I have been with Welsa Federal Credit Union for over 11 years. They never finance anything thing for me and my wife and i wanted to get my wife VW refinance thru a local credit union and they still turn me down. Pelican Federal Credit Union which is a local Credit Union did. Thanks Pelican Federal Credit Union.

Rate Genius did an awesome job at finding me a lower interest rate on my car. They reduced my monthly payment by $120! The process was very smooth and quick. Thank you Rate Genius!

Very easy ti work with and got me a better rate on my truck loan.

I wanted to see if I can get a better interest rate if I was to refinance my car loan. I did not provide my SSN in their system on purpose so they don't do a hard pull on my scredit score. Yet they still performed a hard pull without asking me.

Scam, scam, scam.

lowered my Rate from the Dealer by 2.05%, very professional loan officer and processor. My prior loan paid off in the time frame promised.

Courteous and professional people to work with. Got my truck re-financed at a much lower rate which will help monthly and with paying the loan off sooner.

These dumb folks called me begged me to refinance my car now i havent missed a payment i 2 yrs but i listened to there bs then they said they assumed my car was a higher end model we all know what happens when u assume. Rate dummys .wuit assuming

I would HIGHLY recommend RateGenius. Everyone that helped me throughout the process were very helpful and courteous. They also never left me hanging. I had extremely quick responses to emails, text messages and calls. It was a great experience with them and I would definitely go through them again.

Seeking a lower interest rate my contact with rateGenius began after filling out an auto refinance application through Lending Tree. The next business day I had received several emails showing various interest rates up to a point lower than my current rate. Also that morning I received a call from Oma a rateGenius Loan Officer. I was on the phone and his call went to voice mail. He actually left me a message stating that he felt certain he could get me a rate at less than half my current rate. First of all, I was impressed he left a message. All the others who called hung up without leaving a message. I get a lot of unwanted calls and always let my calls go to voice mail if I don't recognize the number. Secondly it seemed hard to believe he could actually quote me a rate so low. However, he sounded sincere so I called him back. I am so grateful I made that call. Every conversation I had with Oma was a pleasure. He needed additional information from me to present to a source that he again asserted that I had a very good chance of getting a rate at less than half. I'll have to admit the process kept me pretty busy for the next few hours, but it all went very smoothly. Within 24 hours after my first contact with Oma my notarized document package was on its way at no cost to me. He received the package the next day, I was approved by the creditor 2 days later, and my refinance was funded in another 3 business days. My only cost was to my state for the title transfer. RateGenius added $100 to my payoff figure as a cushion in case of any delay in processing my payoff. That amount was added to my loan amount, and it was expected that my former finance company would reimburse me. I received the $100 refund exactly one month later. The payoff went through so quickly my refund even included a couple extra dollars for excess interest paid. As promised my first payment for my new loan was not due till over a month after the payoff was funded. I highly recommend rateGenius to anyone seeking a refinance and wants to work with very professional and honest people! By the way, the refinance saved me almost $1,000 in future interest payments.

Recommended to me through CreditKarma. The rep was knowledgeable and got me a great deal on refinancing my truck. Would definitely recommend.

My loan agent solved all of my inquiries and was able to get a decent rate for me. I m really happy with my new loan. Thanks Quin!!

Rate genius is great! They worked very hard to help me with exactly what I needed! Got me a new refinanced loan with 10% less interest then my previous loan! Went from 12.9% to 3.9%!

Chad was very courteous and friendly. He made the refi process simple and made sure all my questions were answered. Was very prompt in responding by phone or email. I would definitely recommend to a friend and reuse you guys in the future if the need arises. Thanks rateGenius.

I've found them through CreditKarma and gave them a try. They were able to help me find a loaner that reduced my car loan APR 2.5%. The process was smooth and I did not have problems when I contacted them. I even rejected their offer for the gap insurance, and they did remove it right away, not pushy at all. On my experience, I completely recommend them.

The do work fast but John the guy that was assigned to me was not too bright, he kept calling the wrong phone number, he told for me to text him, so I did and emailed him and he still kept calling the wrong number, so I emailed him and told him that I was not interested anymore, he kept calling then he sent an email saying that if he did not hear from me soon, basically, he was closing my file, I mean dude, learn how to read!

rateGenius and Amber Lively were very quick and efficient in getting my car re-financed. Thanks to them my monthly car payment has decreased by almost $200!

These guys got me a super low rate on a used car refinance. The process was fast, simple, and mostly electronic. I have and will continue to recommend these guys.

Doing financial business with rateGenius was quick and pleasant. Staff was knowledgable and easy to work with. I would definitely recommend the services of this company to others,

I would absolutely recommend Rate Genius for your refinancing needs. The process was fast & easy! Dealing with Robert was awesome, he was very informative and helpful! I love my new rate!

These people are very good at what they do. I would highly recommend them to all of my friends and family. Very well done. My wife and I appreciate a great company, that does what they say. Job well done.

AWESOME.... My representative Toni was the best to work with. Everything moved fast; we were approved and fully funded within two weeks.

Easy truck loan refinance. Would use again! Great customer service, communication, and results!

Highly recommend.....answered all our questions....easy and fast with great service

Gerard sorry for giving you a hard time
They ll get it done saves %10 on my loan

If you have excellent credit then you should use this company for a loan. So easy and trustworthy. Will use them again.

The loan process was great. I dragged my feet to begin with, I was skeptic, but the rep ended up walking me thru the entire process and was available to answer all of my concerns. My interest rate dropped significantly -- over 3%. And my car pmts went from $393/mo to $255 with a service plan! I should've applied sooner!

Awesome company. Very friendly. Fast and efficient. Made the whole process very easy and saved me a bunch of money. Will definitely use them again in the future as well as recommend them to friends and family.

I first heard about Rate Genius through my Credit Karma app. Although I hesitated at first, I am more than pleased with the process and outcome of my car refinance. I was approved by a Credit Union and my APR dropped from 4.99% to 2.75%. Thanks Chad Barnhart for all your help!

For the most part our experience was wonderful...Had good contact with the people we needed to talk with to get started and the paperwork exchanges worked out very well. The whole process was handled very
efficiently and quickly....Would recommend RateGenius, Inc. to my friends and family....

Excellent service provided by loan manager Anna Pedroza

What an easy, helpful, friendly, and professional way to do business! I was able to refinance my auto loan, lower my interest rate, lower my monthly payment, and save considerably over the life of the loan. Very happy with my rate genius experience!

They were very efficient, courteous and beat the competition.

RateGenius Customer service is awesome. Especially Daniel Moody who helped me with all my concerns about my auto refinancing. He walked me through every step of the way and he was there to answer all my questions when I do not know what to to do..Thanks so much Rate Genius..I will definitely refer you to all my friends..!!

These guys cut my previous apr with another lender from 6% to less than half of that at 2.7%. They only asked a few questions and I was approved by the next morning.

-Miki Packett

No problem with my loan, all transactions went very professional.