RateGenius is an online lending platform specializing in auto refinance loans. RateGenius helps consumers find the best auto loan rate and save money. See more
I am so great happy i found Rate Genius they helped me on getting my car refinanced!! My loan specialist was tim and he was such great help made everything easy to fill! Definitely would recommend them !
I worked with Paolo and he was nice, but the process itself was very cumbersome. I have completed auto refinancing with different lenders and this was by far the worst experience I have had. You apply online and they call you with an offer. …
AWFUL experience with Rate Genius. I have an 819 credit score, it doesn’t get much better than that. They lie about their rates, run your credit and then give you a much higher rate than they advertise. I am a shoe in when it comes to …
I had the best help from these guys to make sure that I got my truck refinanced! I had a few minor issues to get dealt with but these guys guided me through the entire process! They even helped with time management considering some things …
The process was simple and fast. Joseph was great to work with. He made sure any questions I had were answered. If the lender needed additional information he was quick to let me know and processed it as soon as he received it. This was the best auto lending experience I have had so far.
Amazing job right from the start. Sam walked me through everything that I didn’t understand and he was able to lower my monthly payments by $100. I definitely recommend and once I buy a new car I will refinance through them again. A pleasure to work with and very fast turnaround. 10/10
I had the pleasure of working with Ms. Erica Grant. She made the experience painless and easy. If you get the chance to work with her she will absolutely make sure you’re taken care of in a timely fashion. Erica has exceptional customer …
Everyone at RateGenius was helpful and professional in helping me refinance my loan.They worked very hard to make sure I received the best possible rate and payment. They saved me over 200 per month. I would recommend RateGenius to anyone …
Probably one of the worst loan experiences I have EVER had. Getting approved was the easy part. Getting the loan officer to return my call in the beginning to a village and about 2 weeks. I started the process in beginning to mid March and …
Fantastic service from start to finish. Very welcoming and personal support from Joe Gent my Loan Officer, who assisted me through all my options, choosing the best one to suit my needs, before walking with me through the process. …
I saved quite a bit of money on my car, which I was only about 8 months into buying it new. I had a terrible rate of 6.4% but refinanced to 3.39% and with better terms, too. Juliana was very nice and made the process simple. There was a …
Joshua From rate genius walked me through the whole refinance process. Made it super simple and was one of the easiest process of my life. Great company and great people. Also found the best loan with better interest rates. Highly recommend!
I was very impressed with the young man who helped me refinance my vehicle. His name is Orion K and I believe he was based out of Texas. I honestly can’t say enough positive things about him and his energy, but most importantly he was …
My local Toyota dealer is so busy overcharging for limited inventory that the sales team refused to even work on financing my buy-out of a leased vehicle, which is what caused me to look online for an efficient way of getting the loan taken …
Great company to work with. Completed my app on a Thursday, and has everything signed and sent on Friday. The deal was simple and quick, today is Thursday and the loan has funded. Cut my rate in half. Brandon Knox was my loan officer, great guy. Friendly, outgoing and not pushy. Great at communicating.
There was clear communication, I was alway kept informed of everything that was happening. My loan officer Zach was awesome, he took the time to help me understand anything that I was confused on and he was patient with me. Great experience …
I just refinanced my car through RateGenius and had an awesome experience. Gum Mesele was our agent and he responded quickly to any questions and concerns and kept us updated throughout the process. He was extremely professional, kind, and …
A good company to refinance your car! Sent my application and I got approved within an hour. It dropped my monthly payment and my interest rate. The only company the got me approved in the same day, paperwork wasn’t fun it would have been …
I went with RateGenius to refinance my vehicle strictly because they offered me the best rate, and I shopped around. Skyler was fantastic, listened to my needs, and when I asked for options he gave them to me. They moved quickly, and they had one of the best online platforms. Very user friendly, on the computer and on mobile!
This firm is not a lender and will shop your rate with multiple hard inquiries on your credit report even without a completed application in good standing. Very deceptive practices. Avoid them.
Today is Day 4 and application is still being reviewed. Not quick or efficient. Why ask for docs to be uploaded, which were done the same day, but still take this long to review and make a decision??
The process was quick and easy, and they kept me informed the whole way through. One of the few companies that still believe in quality customer service.
Not quite as easy as i thought due to having to get things notarized, but Trudy made the process as easy as possible and was always available when i needed her. Thanks so much!
The process was way easier than what I was used to. Cynthia was very helpful and walked me through the whole process as well as answers all of my questions.
RateGenius helped lower my car payment/interest rate even when my own Credit Union (which we’ve been with over 14 years) denied us. Thanks RateGenius!!!
In addition to my previous post, today is 8/10/22
I started this process on or before 6/24/22 with Keith Edwards. Then his Supervisor, Tyler Markum inquired about why I hadn’t returned the documents? Documents …
Working with RateGenius was very smooth. The representative assigned to my application, Gabriel Juarez-Ortiz, was super friendly, knowledgeable and prompt with communication. Gabriel helped me secure the lowest interest rate for my …
I would say I had a awesome time with RateGenius very professional Mr. Gum took care of me answered all my questions if I didn’t forgot to ask made sure I got everything I needed so I could move forward thanks Mr Gum also thanks to RateGenius
I was skeptical about RateGenius but once I started the process it went smoothly thanks to my representative Avery! She was amazing and was prompt and helpful the whole process!! Would definitely recommend them!
I worked with Trudy Miquelerena to refinance a vehicle in CT. She was fantastic! Helpful, knowledgeable, quick too communicate and focused on success. It felt as if i was the only one she was working with despite knowing she had a full plate.
I will NEVER use Rate Genius again and my agent, Sunny Durrani, should choose a different career! I applied online and it showed I had an offer for a pretty low interest rate. I was pleased with the offer so I uploaded all of my docs to …
Got the job done no issues no procrastination all in 8 days everything paid off and new loan approved n ready to go with a month off on new loan Wilfred was great no lying no deception honestly the only bad reviews are from people lying on paper work if u have all your documentation n a good score you’ll get approval
My loan officer misspelled information ofy documents 3 times before we officially got them out to my ex-spouse. This delayed the continuing of the application my a month due to delivery and communication issues. Because it was delayed, my …
Robert Olson was great. I really appreciate him and all that he did for me to understand everything that was going on. Yeah, I really appreciate Robert.
Easy to use, great customer care. Took me from 20% APR to 5 which took 14k off my loan and took my payments from $511 to under $350/ mo. Highly recommend them.
Very quick application and funding process. Web app keeps you updated on the process. My loan processor was also very professional, responsive, and polite.
I had nothing but the worst experience with RateGenius and had to pull my application. Zero communication and when it was, it was condescending and rude. Went with a different company and the process was completed much quicker. Do not recommend for anyone.
I had a wonderful experience with Rate Genius they are very helpful and super detailed 👍 especially if you get the opportunity to get Trudy a rate genius rep she is awesome and it was a pleasure going through the process with her. …
My experience has been a great one and I’ve appreciated how easy this has been. The customer service was amazing and helping me through every and anything I needed. I will recommend ritegenius to everyone I speak to. Thank you so much
Rate Genius made my auto refinance very quick and easy. Ramzi Sahouri was very helpful and answered all of my questions and made the process a breeze. I would highly recommend RateGenius and specifically Ramzi Sahouri to anyone.
I have nothing but great things to say about my experience through rate genius! Chris Jackson has been a pleasure to work with and has made the refinancing process a breeze! 10/10!
I received a letter in the mail to refi my vehicle…skeptical I said what the heck and went for it!! Phatifa was amazing through the entire thing!! It was quick and easy. I’d use RateGenius again!! Thanks again Phatifa for all your help and making the process so simple!!!
Spent 7 weeks after approval only to need to send all the docs again. Then they wanted me to make a “payment” before loan was completed. I asked for website link to make payment, it was never sent. The agent wanted my credit card information after he has all my docs and title to my vehicle. Complete scam.
I refinanced my vehicle through Bobbie Guzman. It was easy, and a very smooth process. Bobbie was very personable and got right back to me; she was an excellent communicator throughout the process. Thank you Bobbie for everything!
RateGenius is a typical bait and switch. Also known as a scam. RateGenius sends offers to you with lower payments and/or lower interest rate. When they call you with an offer it is usually higher interest rate and higher payments plus they’d like to throw a gap insurance in there as well. Beware of RateGenius!
My experience with RateGenuis has been an absolute headache. Not only is my loan officer completely unresponsive, but the customer service reps are not at all helpful. Been calling for days to speak to a manager since my loan officer has …
Great response time and very competitive rates! Joshua was wonderful to work with. I was very time pressed to complete a lease buyout and they turned everything around in less than a week. Highly recommended!
Great experience with Rate Genius,very efficient and knowledgeable about vehicle loan. The loan specialist Trudy Miquelerena is awesome took me step by step and would highly recommend her great job..
Do not use this company…completely incompetent and very slow–if you can get anyone to respond after initial approval. Wasted 2 months because they could not figure out how to handle sales tax on a lease buyout, then could not get …
My experience with RateGenius was very positive all around . The agent that helped me, Jerry was very professional, knowledgable, and helpful. I felt listend to and all of my questions were answered and concerns were addressed. …
I wish there was a 10 star option here, so I could properly rate how perfect and awesome was to work with Trudy Miquelerena. She is excepcional, the best person/professional that I have ever talked through the phone. Everything worked out pretty smoothly. She deserves 10, 20, 100 stars.
MY EXPERIENCE WITH RATE GENIUS WAS GREAT. MY REP. CHRIS JACKSON WAS AWESOME. HE EXPLAINED EVERYTHING VERY WELL AND MADE SURE I GOT THE BEST PLANS THAT HE COULD OFFER. THANKS CHRIS FOR A WONDERFUL EXPERIENCE.
I don’t like writing bad reviews but I have to share.
The first half of my experience was excellent, The second half was disappointing. We decided to buy out our leased Mercedes-Benz SUV a few months before the …
RateGenius has a strong team. I dealt with John he was very great. They really are nice people to work with and they kno what they are doing. My refinace went through smooth and fast. Im very satisfied with everything. Thanks Guys at RateGenius
I was extremely iffy about using this company to refinance my truck. I read the reviews on Google and on BBB probably 3 or 4 times. I actually had a great experience. Worked with a guy who’s name was Greg I believe from Texas. Extremely …
Samantha was amazing. She was patient, kind, and knowledgeable. I’m very thankful for her and will be referring anyone I know with re-financing needs to her. Thank you Samantha C!
Ramzi was wonderful to work with. He made the process extremely easy and communicated each detail to me very well! Anytime I had a question, he had an answer. Highly recommend!
I had Trudy Miquelerena as a loan officer. She was very professional and was willing to walk me through every process. Thank you Trudy for your services and helping me save money. I appreciate you very much.
Phillip was great. The process is easy. I uploaded my documents spoke with Phillip and he emailed my paperwork and I was done in 1 day. Phillip even gave me some helpful tips for the future. Everything from start to finish takes maybe an hour of your time
My loan officer Trudy is the best!!!! She cares about her customers and she goes over and beyond for them!! RateGenius you have an awesome worker! Never let her go and take good care of her! 👍🏽 …
My experience was phenomenal and the loan officer James K and loan processor Edward C both are very helpful and professional. The process went very smoothly and quick. Thank you for saving me less on my car note and interest rate! I recommend this company for refinancing!
About a month ago I refinanced my car with a representative named Isaiah Flores. He was absolutely fantastic, gave me a couple options and explained different add-ons and exact pricing for each. They shipped out papers overnight. Had to …
I contacted these guys and was ready to refinance however what they advertised was definitely not the real deal!!! I was concerned about gap insurance and my warranty that I would have to purchase new from them ! I was given a rate that exceeded my current rate by a landslide so I would not recommend
I’d never heard of RateGenius and had some concerns about what our experience would be like. Our Loan Officer was thorough, professional, and friendly. His responses to our inquiries were timely and efficient. Thank you RateGenius for a great experience!
Everything went well. A few delays because I was not computer savvy, but they were patient and helpful and I learned a few things along the way.
Great job Rate Genius
Me and my fiancé were looking into refinancing his car, and they set us out for a loan we finally agreed on, without the added fees. We filled out the paperwork and put money into the process with the notary signing agents and sending all …
I work with Mark who served in the Army and was in the same area I was. So he and I had a good connection. It was easier for him and I to talk. He also helped speed things up. He also keep me up dated throughout process. It was nice …
Trudy was awesome and an absolute joy to work with. She provided quick and accurate information and has an amazing attitude. Great experience all around and we decided to refi a second vehicle because she was so great!!
Rate Genius did an amazing job refinancing my car. They brought my rate down and I’m saving over $5,000. My loan rep Samuel was so helpful throughout the process.
I had a great experience trying to refinance my car. Greg explained everything very clearly and I got a great rate. The process was fast and I saved alot in the long run.
I was not sent all the proper documents to sign with my original paperwork. When RateGenius realized this they sent me a supplement that needed to be signed. This was signed and returned. They then called me to tell me my lease buyout …
Very disappointed. Spent hours filling out forms and collecting documents. Had refinancing approved and then suddenly dropped and essentially told “sorry we can’t help you good luck.” I have excellent credit and had other loans secured but …
I’ve applied 3 times to RateGenius. In all 3 cases, I was”shown” a great deal. In each case, once the actual application gets placed and reviewed, the rate and payment were substantially higher. This last try, I was shown a lower rate, and …
Great people to work with on such a personal thing. EG was just lovely and took her time with me, I needed her guidance and that was what I got! I highly recommend Rate Genius to find a good finance team for your needs. 2thumbs up!
Joshua Oliver-Adams was my rep and he was awesome! So patient and he was always ready to answer any questions I had, even if it meant communicating on the weekends! Best company to work with on a vehicle refinance, HANDS DOWN! I could never say enough great things about RateGenius!
I am so happy with the service I received at Rate Genius, particularly with my agent Trudy! She went above and beyond to get me the best offer with my refinance as well as ensured I got a auto service plan for additional security on my vehicle. I now have a lower payment and lower interest rate. Thanks So much Rate Genius!
My agent Samantha was fantastic. Due to my hectic work and personal schedule, it took me about 2 months to complete my refinance, but she stuck with me through the whole thing. In reality, it should have only taken a week. All in all this move has saved me a little over $100 a month. Very satisfied with the experience.
Mark Santos was exceptional to work with. He treated us with the utmost respect, answered all our questions, and replied in a timely manner every time. Very down to earth. Awesome experience across the board. whole process took about 3 …
I used Rate Genius after I got a high interest loan from the lender at the car dealership. Rate Genius was able to help me secure a loan with a credit union and lower payments. I’m happy with their service and definitely suggest trying them if you’re having problems searching for a lender on your own.
I can’t rate the overall effectiveness or greatness of the business in itself, but more for the rep that called me and presented my offer. 1 or negative 1 if that was an option. The most non personable representative. He interrupted me …
Bobbie was extremely knowledgeable and personable. She took the time to explain every part of the process and what was needed from me upfront. She lowered my interest rate and my payment! I absolutely recommend RateGenius to anyone …
I had such a great experience working with rate genius in buying out my car lease. My loan officer, Kiki, was extremely attentive and had great communication with me since day 1. He really made this experience painless, easy , and quick! I would highly recommend him and rate genius! Thank you!
I went with RateGenius to refinance my vehicle strictly because they offered me the best rate, and I shopped around for about 3-4 months. Trudy was the absolute best, very easy to talk to, very responsive to messages and questions. If all of the employees are as knowledgeable as Trudy well then you get a 10 star.
Staff was coordinated and keep me updated every step of the way. They got me a great rate and a little cheaper per month. Overall experience was exceptional. Id personally like to thank Eric Collins for making the entire process extremely human and personable. Would recommend to all looking for refinance.
My representative Tyler was amazing from the beginning of my application throughout and to the completion of my application. He explained the process that Rate genius uses and that he would be available anytime to answer any questions. He …
I was given first class service by Quazi my loan officer from the first conversation to my last encounter. I had such a great experience that I am now recommending two friends. Thank you Quazi and your team for your professionalism.
Streamlined process, very transparent, and excellent customer service. The dashboard made it easy to know where things stood along the way, and my agent, Emily, could not have been more helpful!
They are on point making sure you are taking care of I highly recommend them to anybody looking to refinance truck or car I give them a perfect 10 Christine was fantastic i giver her a perfect 10
Scam. They get you approved on low rate ask for all the details pull credit score (affect it) and than they said rates are different. Don’t let them fool you.
I want to say how great of experience I had working with Mr. Barnett and his partner Ms. Villafana. They were really patient with the whole process with me and had a very professional positive attitude. We reached our goal and I couldn’t of done it without them. So this is my thank you to them and Rategenius. Hope they get a raise haha.
Caleb shaw was amazing in the process of my refinance, any question I had he answered, was very timely, went over all documents with me and made sure I got the % I was offered b/c they tried to higher the rate. Thank you ^-%
It wasn’t good at first, but when I switched to another loan officer it was easy and smooth sailing. He explained all in detail and was very tolerant about my situation.
Jeremy Odem was awesome at helping me with refinancing and getting me a better rate and lower payment!!!! Was a very busy time for me at work so he would text me updates on the process which really helped! Thanks Jeremy!
From the beginning to the final approval,everything went so smoothly, with Carlos Cruz. Mr. Cruz guided me through the process with great detail and helpful for a very satisfying refinance of my Auto.
People don’t trust them. It’s fake. I have got pre-approval from
Credit karma and APR approved was low and when they called me they give me rate different. Its way higher then approved by credit karma. It’s completely fake. …
Do not use this service. My insurance company question whether it was a legitimate company. They ran my credit score twice without my permission which put a ding on my credit score. It went 2 months without them making a final decision but they led me to believe that I received the refinancing. Very very disappointed.
The rep I had Leanne was terrific. And others ones I worked with on text msg were also terrific. I hope everyone is like them if I ever need to call in. Great service so far
Got a letter in the mail noting that I was preapproved for a refinance at a rate of approximately 3% but when I entered in all my information, I was contacted later saying that my current rate was great and they can’t beat it but they can offer to lower my monthly payments. Incredible waste of time and now they have my information.
Joseph Alvarado has to be one of the most passive aggressive reps I’ve ever chatted too. He was also force pushing “gap insurance” and when I would tell him no, he’d become upset and rude and rush through explaining things. AND Creditkarma …
I’ve never refinanced anything before. However, with Aaron and Carlos the process was done within about a little over a week. I’m very much appreciative of to them and RateGenius in general. Thank you!
I got a message from credit karma saying these people work hand and hand with this company, and that they could refinance my truck at a way better rate. Well they both lied. They said they had matched my account to this company and they …
No communication and my credit was hit so many times with no explanation why. I was approved several times and my credit was still being hit weeks after. The loan officer said he would call me to explain… but nothing.
Had the pleasure of working with Chris Jackson and he was great! He made the process very easy, it is super refreshing to be treated like a person and not just a number.
They made the process super simple and easy. Any questions I had they made themselves available to answer. Constant contact and communication throughout the process. Samiul was awesome to work with. Excellent customer service.
My interest rate on my current auto loan is really high, so I was looking at trying to refinance. I have been working on my credit for the past year, and had brought it up to 630, 660 on my experian. Credit karma had rategenius as their …
Received a pre-qualified letter. Start the application and found out that it’s too much unnecessary steps. Canceled and then received a notice of a hard inquiry on my credit. They are big scam stay away
HORRIBLE! If I could leave NEGATIVE stars, I would! I applied for a refinance on my vehicle and sent in all documentation I was asked for. The next day, I received the APPROVED email with instructions to call their representative PAOLO to …
Worst customer service. They take all the information, make a hard hit on your credit, you send in all the paperwork at their urgency. Then nothing! Call every day and all they say they can do is they will email your loan officer. Then you never get a call back. Don’t waste your time or damage your credit dealing with them.
They ran my credit multiple times, the first when an application was submitted and again, without permission, 16 days later. I submitted a complaint to the Consumer Financial Protection Bureau. They chose to lie in spite of multiple forms …
The process was for refinancing my vehicle was easy and simple with the help of Bobbie. I was able to receive a lower interest rate with great perks. The only downside was the waiting. Lol but it was worth it.
What an experience alright! So on Nov. 1st I think, I was contacted by Mark he presented a great deal we spend a good time talking he talk about what a great company I was gonna get. Everything is great. But than. …
Chris Jackson was extremely excellent with helping me secure a loan. He’s was very knowledgeable and explained which loan would be great for me. Job well done Chris !!!
I wanted a list of current auto loan rates. Despite not providing my SSN or checking the box for credit inquiry, I had a hard inquiry on my score. I called Rategenius for assistance as well as tried to communicate via email and the representatives were rude and unhelpful.
Got a “pre approved” mailer saying I could lower my interest rate for my auto loan. Called to see if it was true. Was in fact not true. Got a hard credit hit despite not being interested in applying. Then got a mailer saying I was “denied”. …
Some of the people that work here clearly lack customer service skills and just all around care for others. I EMAILED my “loan officer” (more like car salesman) asking for an eta of when my application approval timeline would be and he …
RateGenius’ agent made the process of getting a lower monthly auto payment at the time I really needed it. My husband died and my monthly expenses have gone up. RateGenius saves me $100 a month. What a blessing.
The worst. I applied for refinance and naturally I took a hit to my credit but heard nothing from this company. I called and they tell me application is missing VIN then they tell me I can’t apply due to me having a chap 13 a year ago. This is not how business should be done. I will not trust this place ever again
LeeAnn Zimmerer was the Agent I worked with to set up the entire refinancing of my vehicle with Elements Financial. She was very professional and at the same time, very personable. She was always accessible either by phone or through text …
Worst customer service and communication at rate genius i filled out an auto refinance application a gentleman that was supposed to email me back and walk me through the process left me hanging didnt reply to me for three weeks waiting for …
DO NOT USE THEM. At first I thought they were great I refinanced easily and everything went smoothly Alfredo was awesome helping me. However fast forward 3 months and I’m trying to pay my vehicle off to sell it and the current bank doesn’t …
I worked with Aaron Burlingame from Rate Genius
and we had numerous very nice conversations. Aaron was
professional and efficient. Always answered my questions and …
Ann McKinley was very helpful. She made everything quick and easy! Even though I was hard to reach at times, she always followed up with me and was also very kind!
Great company. Bobbi was readily available to assist me. She explained the entire process in detail. She kept me informed every step of the way and made sure that ultimately I received the best offer.
Excellent service. My loan officer, Chad Mikels, was amazing. He walked me step by step through the process and answered all my questions right away. I’m very happy with Rategenius – a truly excellent business.
The loan agent Joshua was very friendly and accommodating. At one point I wasn’t sure about the amount if time the process would take or if my credit would be affected. He assured me multiple times I would be okay.
Really horrible experience. First rep lied to me numerous times and messed up everything. Ended up being forced to make a payment early (after being told it would be 60 days before a payment was due) and because they kept screwing up the …
Credit Karma suggested this company and I have filled all the details from credit karma portal. The process was easy and after a couple of days of my submission, one of the employees replied that my application has been APPROVED. …
I was able to refinance my car loan from a high interest rate to a reasonable one with this company. I worked with Ann McKinley and she was very friendly and attentive and we were able to get this done.
Bobbi Guzman was an AMAZING person to work with! She was efficient and communicated everything needed in a a professional manner. I would definitely recommend using her/Rate Genius again. Thank you
I was not told prior to spending my own money to get documents notarized that my application was expiring a few days before the documents were sent. The blame was put onto me by my agent as they called me during times I had explicitly …
The process was smooth initially, my loan was in its final stages and I had even been contacted with my new loan holder, when I stopped hearing from Rate Genuis. There was a complete and total communication break down with my assigned Rate …
What a tragically terrible experience. I’m sure that they pay very well to a third-party company to have negative reviews taken off of google and yelp. Just like my company does. Anyhow Philip Pilkey told me it would be a 10 day process …
Very convenient and easy as ABC! My loan officer TRUDY MIQUELERENA was so helpful and very personable! I recommend this site for anyone who’s looking to refinance with ease, and I definitely recommend Trudy as a go-to! She is a cut above!
Decided to do a re-fi and RateGrnius was absolutely awesome. Lowered my interest rate, and dropped my monthly payment. The process was simple, fairly easy to follow, and didn’t take very long (about a week) to get done.
Rate Genius was able to cut our interest rate in half by refinancing our truck loan. They were so easy to work with and it didn’t take them long at all to get the financing approved. They even overnighted all of the paperwork to sign. I would highly recommend them for any loan refinance. Thank you RateGenius.
I recently used Rate Genius for my car refinance and I’m so glad I did. They made it so easy for me and the process went smoothly with no problems. They were able to go above and beyond by even finding an extended warranty for me that I …
Had a very good experience getting my car loan thru RateGenius. The rate was competitive, the staff was knowledgeable and communicated with me in a timely manner. My loan needed to be finalized in a certain amount of time, and it was closed even sooner than it needed to be.
Be very careful when applying for refinance with rategenius. They will do a hard inquiry and sometimes you will get a denial even with 750 credit score. Never try this company. Without my permission, they forwarded my information to Autopay …
I was curious if Rate Genius could reduce my high payment for my car. They checked different banks and FCUs. Leo and behold a reduction in my interest rate and the payment is $100 per month lower! …
Eileen, handled my application without a flaw. She was friendly and helpful. The whole process only took 2-3 days. I would use RateGenius again and highly recommend them.
Working with John Milton was one of the best experiences. He was patient and knowledgeable and ensured I knew statuses every day. Fast and easy process. I would recommend RateGenius to anyone.
Wow, what a terrible experience. I was looking to buy out my lease on my 2020 BMW so after some research I chose them . So they were quick to respond to my request. Basically, they run your credit and try to fit you with a bank in their …
I had the opportunity to get my car refinanced with Rate Genius and spoke with Eli Beckett who was able to save me $150 a month. Thank you for your help through this process. I definitely recommend Rate Genius to help you.
I used them online to try and refinance my car loan. Was supposed to get pre-qualified with a soft credit hit. They instead did a hard inquiry on my credit file. If I would have known that they would. I would’ve not even tried.
Inaccurate claims, I applied on credit karma in the promises they would get my interest rate down to 4.4%. After applying, having my credit dinged and being “approved” they’re offer was 15% interest! Nearly double what my current interest …
This company is incredibly unethical. Make sure you read the fine print before you sign anything with them. When I spoke to a representative after applying, I told her I wanted to refinance to lower my interest rate and save money. She …
Very friendly and fast and they got me a great loan option. John Milton was super nice, funny, helpful and to the point. Definitely would recommend them for vehicle refinancing.
So I received a letter in the mail from rate genius last week telling me that I have great credit and pre qualified to refinance my current auto loan with a new lower rate of 3% and a lower monthly payment. I said to myself great let me …
At first, I was extremely disappointed with this company because I felt they gave me false hope and the run around, but after working with Kyle he made good on his word and got my approval. I was even reimbursed for the excessive notary …
Great service quick and easy down to the point they go over with you all the options you have and let you choice the best one for yourself. My payment was 789 and they lower it to 379 best service ever. Special thanks to my loan officer Chris French thank you again
I can’t ever get ahold of my loan officer. I’ve left calls and emails and he will not respond to me. I’ve had a problem with the old loan payoff. My old loan company is saying that they haven’t received the check from rate genius and rate …
I responded to mail I received about refinancing. I was at such a high rate! In that mailing Rate Genius indicated another lender and lower rate but I received a bit higher than and cut the percentage rate in half!! I’m used to financing …
Josh has been absolutely amazing answering questions and going above and beyond and responding after normal business hours. He has made this transition of a loan a lot easier and less scarier than I thought possible. Give this man a raise!
Substandard service, filled out my info online and with out authorizating an inquiry and I get a notice of inquiry request from one of the bureaus denied by my credit lock luckily. I purposely lock my credit to prevent this kind of service …
Good online system certainly. But did send a false letter to home stating that they are offering a lower interest than what I have now to lower the payment and after going through the process, was told told none of those are available they are not aware off the letter. It was a waste of my time.
If you get the pleasure of talking to Christopher, you are a lucky person. I didn’t get the rate I was looking for due to the age of my credit but Chris made sure to get me the best rate he could while also keeping my best interests in …
I decided to explore options on refinancing my vehicle. I was recommended Rate Genius and giving Edward Kain as my loan officer. Upon discussing my new APR, as it wasn’t much of a difference, I was no longer interested. He changed his town …
Would not recommend this company to anyone. I have always used traditional lenders and decides to go outside the box for once. I did not end up using this company for the lack of communication and professionalism. Be very careful using this …
I reached out to rate genius they credit karma. The princess was effortless all I did was submit my info and they took over from there NO embarrassing questions regarding your credit score or anything. Infect my loan officer would text me …
Samiul was great. I didn’t have to ask many questions because he explained everything very thoroughly. Always responded to my txt or called when I asked. Didn’t try to talk me into anything I didn’t want and understood why. Overall great experience. Would recommend Rate Genius to anyone looking to refinance a vehicle.
Top notch service with competitive rates. Samiul Hassan went above and beyond to ensure I get the best rate possible and stayed in communication every step of the way until my loan was funded for my lease buy-out. I highly recommend …
Positive experience with RateGenius. My loan specialist Taniessa was more than helpful, she made the whole process easy to navigate and understand while providing great customer service along the way. Would recommend RateGenius to anyone looking!
Trudy was very helpful in my situation. She went above and beyond and got what I thought would be impossible done! She was so kind and handled my particular situation with compassion and care. I would 100% recommend this company because of her. Thank you Trudy!!!
My Loan request was approved today – Rate Genius is a good company but I wish I could say my experience was better due to the person that was helping me – from the very start P. Martinez talked to fast, I could not get a word in to ask …
Very fast and professional. Was able to work with my lender in my state when other on-line lenders could not. Received a very good rate relative to where they are at. Would definitely use them again.
Total waste of time! Not only was I NOT contacted directly with the details about my approved offer BUT the monthly payment that the agent offered was MUCH higher than what a I currently pay. Also, the APR was MUCH higher than the APR …
At first I was worried because I tried to get my car refinanced a few months ago with a different company and it was a horrible experience however, Ryan Mitchell with RateGenius guided me along the way and made what seem impossible, …
I’m currently self employed and made the rep aware of this and that I had not yet filed my 1099 but had proof of income from my company or bank statements. The rep assured me that would be fine and ran my credit. I get pre-approved and …
They are so helpful. They got back with me quickly when I had to correct 2 mistakes. They explained the mistakes so knew exactly how to correct them. They have always been polite and helpful. They return text and emails promptly. Answered all my questions. Just an all around great experience.
Sam was very helpful and walked me through the entire process. Rate Genius made refinancing my car super easy and got me am amazing rate. Highly recommend!
My old loan was never paid off, my loan officer hasn’t called me back, I’m promised a manager will call, nothing. No one is answering emails either. I now have two car payments due, and no one will respond. I had originally given a five …
Chris Jackson at the Austin, TX office was very professional and courteous and provided me with great customer service. The refinance process was quick and went smoothly with a great turn around time. I submitted everything online with no issues. I highly recommend this place!!!
From Tony who helped me refinance my loan, to Joel and Nikole who helped me with a snafu with my title after a name change and cross country move shortly after refinancing, I couldn’t say enough positive things about this company! Their …
I would like to start out by saying that the process was pretty simple and then they decided to take my money run my credit multiple times and they waited after 30 days and then my paycheck stubs and bank statements no longer valid and the …
A very strange situation happened. I got approved for auto loan refinancing. I was contacted by Ernie, yesterday he called me, during the conversation I asked if he could call me back using the language line, because now my level of …
I’ve financed and refinanced many cars. Without mentioning reps names it was the worst I’ve had till this day and it was not because he couldn’t offer a better rate, it was because of his attitude towards me. Tue reps are there to help and …
So we submitted our paperwork Keith Edward’s was cool until he got the paperwork told us on a Monday he’d call us by noon, today is Wednesday we’ve call twice yesterday & twice today he doesn’t return phone calls. Nobody else will help you …
I recently applied to refinanced my car, I have been working so hard on keeping my credit on good stands, but with companies like RateGenius makes our efforts in vain. I applied to refinanced my car and I got in contact with a “Loan …
I wasn’t sure if I was going to get the same treatment with an online company vs a local credit union. My experience here was awesome. I was assigned to Trudy Miquelerena and she was amazing. She made an intimidating process very easy, was …
Cynthia was great to work with and I was able to get a much lower rate and a better warranty than what I had previously! The process was simple and Cynthia was outstanding. I would definitely use them again should the need arise!
Rate genius pulled my credit, I completed the application tasks within the same day. I attempted to reach out to my agent several times after she stated I could text or email for a few questions. Attempted to call, email, and texts. Never …
My loan officer Trudy was awesome! She was prompt, knowledgeable and friendly. She made the process very easy and enjoyable. Highly recommend if you’re looking for ease and accuracy.
Was told my chance of approval was “outstanding”. My credit score is 796. I only owe 7k on my car. Never been late, never missed a payment & somehow I wasn’t approved. If I could give this company 0 stars I would.
I had a great experience refinancing my car through Rate Genius. I tried going through Auto Approve originally but the process and communication there was unprofessional. Full disclosure, I originally declined the offer I was given from …
Erica was absolutely amazing! She was quick, efficient, and very personable! She made my experience great (especially with me having a stressful and unique situation). Will definitely refer others to Rate Genius due to Erica’s service!
Rategenius got me a rate from 8.25 to a 4.25, with no refinance down payment due to the value of my vehicle. The loan officer was prompt, professional, and friendly. He got my loan approved quickly and answered any questions I had via a phone call and even text. I would highly recommend for anyone looking to refinance their vehicle!
My refinancing of my car loan was so awesome and easy it blew me away! Greg Hale was incredible at helping me through the process and making me laugh along the way. I could not be happier with my service!!! Thank you for wonderful service!
Absolutely amazing experience! My officer Austin Flannery was quickly responsive, helpful, reassuring and made the entire process so smooth! He was able to refinance me into an amazing deal and has relieved so much financial stress off of our family! Would definitely recommend to anyone!!
Thank you Rate Genius! My refinancing experience went smoothly and quickly. World class assistance and service from my loan officer Merethah Polk. She is friendly and knowledgeable and helped answer my questions. Would definitely recommend👍🏻 …
Great experience! Joshua Oliver-Adams was my Representative, and he was there through the whole process. Got my APR down at least a percentage point, maybe 1.5%, can’t remember exactly. The only hiccup was my fault for not checking the date …
I had such an amazing experience refinancing my vehicle, Trudy Miquelerena is such an amazing and professional person, through her perseverance she was able to work with my very busy schedule and get me the best rate possible, communicating …
Jerri Hall was great. Contacted me quickly after applying and got me a great loan offer/approval. I wasn’t able to move forward right away, but once I was she got to work immediately to meet a tight deadline to buy out my lease. Everything came together as needed and I could not be happier.
Working with Rate Genius was easy, fast and I got the results I wanted. Samuel was amazing and walked me through every step. He also followed up with me even after the loan closed. Very professional and impressive
Absolutely recommend this. Credit Karma recommended it for me, being skeptical I did some research and I don’t regret it one bit. My APR dropped by nearly 8%. They only did one credit pull and used that to get me the best loan possible. Phatifah, my loan officer, was tremendous in the whole process. Thanks again.
I used RateGenius to Buyout my Lease.
My Loan Officer was Aaron B. He was extremely friendly. The Interest Rate I got was even lower then I was 1st quoted & by far lower then any other companies …
Very straightforward and very simple process. They were able to refinance my loan and find a lender who offered a much lower interest rate. I am completely satisfied with this service and will recommend it to others!
I’ve just refinanced my vehicle with RateGenius and I was very pleased with my results. I got a lower rate and I got a lower monthly payment. The customer service was really great Ms. Marli answered all my questions and was there for me the …
Burke was very quick with all responses. Diligence is an understatement with RateGenius. This team is the real deal and will get you a lower rate if you’re serious about refinancing. I was able to save over 2% in interest and shorten my …
This is the second time we have we financed through Rate Genius the first time for my car this time for my husband’s car. Both times we had excellent experience. They took care of everything went very smoothly. Early took about 3 days from application to funding of our loan and each time we had a great aving$
Samantha Castro was my loan specialist for my jeep refinance and I have no idea how I would’ve been able to do it without her. She’s amazing and was so patient with me throughout the whole process. She’s easy to get in touch with, responds …
The only negative thing was the hard credit check while others did a soft check. Other than that the rest of my experience was great. The loan officer was great to work with. He was very thorough with what was needed and able to answer all of my questions. Overall good experience.
Simple process that did not take a lot of time. I like that they text you if they need anything from you. It eliminates constantly checking your email or having to deal with missed calls. Bobbie Guzman was very nice and helpful! Definitely recommend RateGenius!!
We used Rate Genius to refinance our auto loan. This was the first time we’ve ever attempted to refinance a vehicle. Samiul made the process so seamless from start to finish. We got it all done in LESS THAN A WEEK and are happy with our …
Great experience. They really have a large pool of lenders to find you a competitive rate, but what really sets them apart is communication along the way. Available by text and automated links as to loan progress, you always know exactly …
By far the best decision of my life. Everything was so easy and simple. The best part was my loan officer she made the whole process worth while and fun. I even feel I may have gained one new friend 🙂 if you want to refinance there is no other choice. AAA+++
They pulled my credit report without my approval and without me giving them my social. After that they said your current interest rate cannot be lowered than that and they can’t offer anything better. So they only added a hard inquiry to my …
My experience with RateGenius was great. My consultant was Ryan Mitchell. He was very knowledgeable and knew his job well. He helped us every step of the way. This is the second time we have used RateGenius. I am glad we did. We highly …
Had the opportunity to refinance my car and credit karma gave me excellent odds of approval. I know my credit is good and my financial situation has no issues on my ability to qualify for a refinance. After waiting several days for my …
Rate Genius has been great!! I had Greg Hale as my loan officer and he was so helpful!! Very responsive and pleasant to work with. I was able to lower my payment $160/month because of the great rate they got me!! Couldn’t be happier with their service!!
Best place to go! Cut my payment by half! Terms were great and didnt have to increase my balance thousands of dollars and years on the loan. Highly recommend! Easy process, quick and efficient. Start to finish only a few days! Jeremy Odom is fantastic!
Service was A+!! Charlene Jackson made the process easy and followed up with me at every step of the process. I didn’t have to ask many questions because everything was laid out for me and she walked me through the process step by step. I …
The loan officer I was assigned was very helpful. Even with me not being able to take phone calls due to the amount of hours I worked. Everything was a smooth process. If you are needing to refinance, RateGenius is definitely worth a shot.
I applied because it says that the interest rates are 3.30%. I have very good credit so I should have no problem getting the lowest rate. After applying and sending all my info in they called to say they can’t get even close to that low …
We came to the end of our lease and decided to go through with a lease buyout. Rate Genius was really good and made the process seamless. Our Loan Specialist Matthew W. was thorough and worked quickly since we were on a tight timeline. …
Friendly people who know their stuff and quick responses! They were able to shave nearly $100 off my car payment and lower my interest rate 3 whole points, without greatly extending the life of the loan! I had to extend the loan further …
I applied for loan refinance and it was really easy no hassle. I made some quick signatures and I like my new rate, and my monthly payment. I like my new loan I’am happy that I will be able to fix my car. Trudy was very understanding, and …
I recently used RateGenius to conduct my end of lease buyout of a vehicle. My loan officer Sam was very thorough and found me a great rate. The website dashboard was easy to use and clear on instructions/next steps. The dashboard works …
I was very skeptical about using RateGenius in the beginning but took a leap of faith and submitted an application. Extremely easy process to apply and submit the required documents online to get the wheels turning to refinance my car. My …
I had a great experience, they got me approved with a local lender at a great rate and the process was very straightforward. All I had to do was submit an application and they did the rest. My loan specialist Marc was amazing. He walked me …
My experience was outstanding Rate Genius. Ron Brown was awesome to work with. He was efficient and sense of urgency. He got my loan approved with a lower rate I was originally approved for and my paperwork to me the next day. It took less …
I am so great happy i found Rate Genius they helped me on getting my car refinanced!! My loan specialist was tim and he was such great help made everything easy to fill! Definitely would recommend them !
BEWARE:
I received my quote to refinance my car and they quoted me a interest rate of …
I worked with Paolo and he was nice, but the process itself was very cumbersome. I have completed auto refinancing with different lenders and this was by far the worst experience I have had. You apply online and they call you with an offer. …
AWFUL experience with Rate Genius. I have an 819 credit score, it doesn’t get much better than that. They lie about their rates, run your credit and then give you a much higher rate than they advertise. I am a shoe in when it comes to …
I had the best help from these guys to make sure that I got my truck refinanced! I had a few minor issues to get dealt with but these guys guided me through the entire process! They even helped with time management considering some things …
The process was straightforward and painless. One of the most efficient loan companies I’ve worked with.
The process was simple and fast. Joseph was great to work with. He made sure any questions I had were answered. If the lender needed additional information he was quick to let me know and processed it as soon as he received it. This was the best auto lending experience I have had so far.
Amazing job right from the start. Sam walked me through everything that I didn’t understand and he was able to lower my monthly payments by $100. I definitely recommend and once I buy a new car I will refinance through them again. A pleasure to work with and very fast turnaround. 10/10
I had the pleasure of working with Ms. Erica Grant. She made the experience painless and easy. If you get the chance to work with her she will absolutely make sure you’re taken care of in a timely fashion. Erica has exceptional customer …
Everyone at RateGenius was helpful and professional in helping me refinance my loan.They worked very hard to make sure I received the best possible rate and payment. They saved me over 200 per month. I would recommend RateGenius to anyone …
Probably one of the worst loan experiences I have EVER had. Getting approved was the easy part. Getting the loan officer to return my call in the beginning to a village and about 2 weeks. I started the process in beginning to mid March and …
Fantastic service from start to finish. Very welcoming and personal support from Joe Gent my Loan Officer, who assisted me through all my options, choosing the best one to suit my needs, before walking with me through the process. …
I saved quite a bit of money on my car, which I was only about 8 months into buying it new. I had a terrible rate of 6.4% but refinanced to 3.39% and with better terms, too. Juliana was very nice and made the process simple. There was a …
Jacob was so helpful! This was my first time refinancing a car and he made it easy!
Joshua From rate genius walked me through the whole refinance process. Made it super simple and was one of the easiest process of my life. Great company and great people. Also found the best loan with better interest rates. Highly recommend!
I was very impressed with the young man who helped me refinance my vehicle. His name is Orion K and I believe he was based out of Texas. I honestly can’t say enough positive things about him and his energy, but most importantly he was …
My local Toyota dealer is so busy overcharging for limited inventory that the sales team refused to even work on financing my buy-out of a leased vehicle, which is what caused me to look online for an efficient way of getting the loan taken …
Great company to work with. Completed my app on a Thursday, and has everything signed and sent on Friday. The deal was simple and quick, today is Thursday and the loan has funded. Cut my rate in half. Brandon Knox was my loan officer, great guy. Friendly, outgoing and not pushy. Great at communicating.
Got a auto loan re-fi with them, the communication is clear and overall good experience.
There was clear communication, I was alway kept informed of everything that was happening. My loan officer Zach was awesome, he took the time to help me understand anything that I was confused on and he was patient with me. Great experience …
I just refinanced my car through RateGenius and had an awesome experience. Gum Mesele was our agent and he responded quickly to any questions and concerns and kept us updated throughout the process. He was extremely professional, kind, and …
A good company to refinance your car! Sent my application and I got approved within an hour. It dropped my monthly payment and my interest rate. The only company the got me approved in the same day, paperwork wasn’t fun it would have been …
I went with RateGenius to refinance my vehicle strictly because they offered me the best rate, and I shopped around. Skyler was fantastic, listened to my needs, and when I asked for options he gave them to me. They moved quickly, and they had one of the best online platforms. Very user friendly, on the computer and on mobile!
This firm is not a lender and will shop your rate with multiple hard inquiries on your credit report even without a completed application in good standing. Very deceptive practices. Avoid them.
Absolute garbage. Waste of your time and good luck trying to get someone on the phone after you sign your paper work.
Today is Day 4 and application is still being reviewed. Not quick or efficient. Why ask for docs to be uploaded, which were done the same day, but still take this long to review and make a decision??
The process was quick and easy, and they kept me informed the whole way through. One of the few companies that still believe in quality customer service.
I applied through Credit Karma. A short time later Bobbie called me and got a loan at a better rate and additional coverage.
Not quite as easy as i thought due to having to get things notarized, but Trudy made the process as easy as possible and was always available when i needed her. Thanks so much!
The process was way easier than what I was used to. Cynthia was very helpful and walked me through the whole process as well as answers all of my questions.
RateGenius helped lower my car payment/interest rate even when my own Credit Union (which we’ve been with over 14 years) denied us. Thanks RateGenius!!!
First time getting my car refinanced and RateGenius made it simply easy to do. I would definitely use them again.
Great experience. Very fast and easy process. They got me a great interest rate as well.
My loan officer John Milton was very professional, diligent, and knowledgeable. I would recommend him and RateGenius 10/10
In addition to my previous post, today is 8/10/22
I started this process on or before 6/24/22 with Keith Edwards. Then his Supervisor, Tyler Markum inquired about why I hadn’t returned the documents? Documents …
Working with RateGenius was very smooth. The representative assigned to my application, Gabriel Juarez-Ortiz, was super friendly, knowledgeable and prompt with communication. Gabriel helped me secure the lowest interest rate for my …
It was very simple and easy. Once approved I was forwarded my paperwork and I had it notarized and sent back in and it was complete in 1 week.
Very helpful and friendly and also they made it easy to send the documents to them. I was very happy that it was made easy to refinance.
I would say I had a awesome time with RateGenius very professional Mr. Gum took care of me answered all my questions if I didn’t forgot to ask made sure I got everything I needed so I could move forward thanks Mr Gum also thanks to RateGenius
I was skeptical about RateGenius but once I started the process it went smoothly thanks to my representative Avery! She was amazing and was prompt and helpful the whole process!! Would definitely recommend them!
Juliana was amazing and extremely patient, because my process was not easy one.
Thank you so much for your hard work!
I worked with Trudy Miquelerena to refinance a vehicle in CT. She was fantastic! Helpful, knowledgeable, quick too communicate and focused on success. It felt as if i was the only one she was working with despite knowing she had a full plate.
Jeremy Odom and RateGenius are the epitome of professionalism. I am 💯% satisfied. I am forever grateful for all they’ve done for me. …
My agent Chris Jackson was a great help getting guided through the process and we exchanged some stories and I got him interested meat smoking.
I will NEVER use Rate Genius again and my agent, Sunny Durrani, should choose a different career! I applied online and it showed I had an offer for a pretty low interest rate. I was pleased with the offer so I uploaded all of my docs to …
Sam was the best agent I could have worked with. He helped me every step of the way! Overall fantastic experience!
Got the job done no issues no procrastination all in 8 days everything paid off and new loan approved n ready to go with a month off on new loan Wilfred was great no lying no deception honestly the only bad reviews are from people lying on paper work if u have all your documentation n a good score you’ll get approval
Samiul was great to work with. He was very helpful and made the process go smoothly. I’d highly recommend!
My loan officer misspelled information ofy documents 3 times before we officially got them out to my ex-spouse. This delayed the continuing of the application my a month due to delivery and communication issues. Because it was delayed, my …
Robert Olson was great. I really appreciate him and all that he did for me to understand everything that was going on. Yeah, I really appreciate Robert.
Easy to use, great customer care. Took me from 20% APR to 5 which took 14k off my loan and took my payments from $511 to under $350/ mo. Highly recommend them.
Chris was exceptional with getting me the best rate for my car. He was also very personable and made the process very easy.
Very quick application and funding process. Web app keeps you updated on the process. My loan processor was also very professional, responsive, and polite.
I had nothing but the worst experience with RateGenius and had to pull my application. Zero communication and when it was, it was condescending and rude. Went with a different company and the process was completed much quicker. Do not recommend for anyone.
I had a wonderful experience with Rate Genius they are very helpful and super detailed 👍 especially if you get the opportunity to get Trudy a rate genius rep she is awesome and it was a pleasure going through the process with her. …
My experience has been a great one and I’ve appreciated how easy this has been. The customer service was amazing and helping me through every and anything I needed. I will recommend ritegenius to everyone I speak to. Thank you so much
Rate Genius made my auto refinance very quick and easy. Ramzi Sahouri was very helpful and answered all of my questions and made the process a breeze. I would highly recommend RateGenius and specifically Ramzi Sahouri to anyone.
I have nothing but great things to say about my experience through rate genius! Chris Jackson has been a pleasure to work with and has made the refinancing process a breeze! 10/10!
I received a letter in the mail to refi my vehicle…skeptical I said what the heck and went for it!! Phatifa was amazing through the entire thing!! It was quick and easy. I’d use RateGenius again!! Thanks again Phatifa for all your help and making the process so simple!!!
The process was pretty smooth. I am happy to have a lower payment and APR percentage so I can pay off my car sooner!
Great experience overall! Chris Jackson was amazing! He went over and beyond to help me get refinanced. Absolutely great service!!!
Spent 7 weeks after approval only to need to send all the docs again. Then they wanted me to make a “payment” before loan was completed. I asked for website link to make payment, it was never sent. The agent wanted my credit card information after he has all my docs and title to my vehicle. Complete scam.
I refinanced my vehicle through Bobbie Guzman. It was easy, and a very smooth process. Bobbie was very personable and got right back to me; she was an excellent communicator throughout the process. Thank you Bobbie for everything!
RateGenius is a typical bait and switch. Also known as a scam. RateGenius sends offers to you with lower payments and/or lower interest rate. When they call you with an offer it is usually higher interest rate and higher payments plus they’d like to throw a gap insurance in there as well. Beware of RateGenius!
My experience with RateGenuis has been an absolute headache. Not only is my loan officer completely unresponsive, but the customer service reps are not at all helpful. Been calling for days to speak to a manager since my loan officer has …
Great response time and very competitive rates! Joshua was wonderful to work with. I was very time pressed to complete a lease buyout and they turned everything around in less than a week. Highly recommended!
Great experience with Rate Genius,very efficient and knowledgeable about vehicle loan. The loan specialist Trudy Miquelerena is awesome took me step by step and would highly recommend her great job..
Do not use this company…completely incompetent and very slow–if you can get anyone to respond after initial approval. Wasted 2 months because they could not figure out how to handle sales tax on a lease buyout, then could not get …
My experience with RateGenius was very positive all around . The agent that helped me, Jerry was very professional, knowledgable, and helpful. I felt listend to and all of my questions were answered and concerns were addressed. …
I wish there was a 10 star option here, so I could properly rate how perfect and awesome was to work with Trudy Miquelerena. She is excepcional, the best person/professional that I have ever talked through the phone. Everything worked out pretty smoothly. She deserves 10, 20, 100 stars.
MY EXPERIENCE WITH RATE GENIUS WAS GREAT. MY REP. CHRIS JACKSON WAS AWESOME. HE EXPLAINED EVERYTHING VERY WELL AND MADE SURE I GOT THE BEST PLANS THAT HE COULD OFFER. THANKS CHRIS FOR A WONDERFUL EXPERIENCE.
I don’t like writing bad reviews but I have to share.
The first half of my experience was excellent, The second half was disappointing. We decided to buy out our leased Mercedes-Benz SUV a few months before the …
RateGenius has a strong team. I dealt with John he was very great. They really are nice people to work with and they kno what they are doing. My refinace went through smooth and fast. Im very satisfied with everything. Thanks Guys at RateGenius
I was extremely iffy about using this company to refinance my truck. I read the reviews on Google and on BBB probably 3 or 4 times. I actually had a great experience. Worked with a guy who’s name was Greg I believe from Texas. Extremely …
Samantha was amazing. She was patient, kind, and knowledgeable. I’m very thankful for her and will be referring anyone I know with re-financing needs to her. Thank you Samantha C!
Ramzi was wonderful to work with. He made the process extremely easy and communicated each detail to me very well! Anytime I had a question, he had an answer. Highly recommend!
I had Trudy Miquelerena as a loan officer. She was very professional and was willing to walk me through every process. Thank you Trudy for your services and helping me save money. I appreciate you very much.
Phillip was great. The process is easy. I uploaded my documents spoke with Phillip and he emailed my paperwork and I was done in 1 day. Phillip even gave me some helpful tips for the future. Everything from start to finish takes maybe an hour of your time
My loan officer Trudy is the best!!!! She cares about her customers and she goes over and beyond for them!! RateGenius you have an awesome worker! Never let her go and take good care of her! 👍🏽 …
My experience was phenomenal and the loan officer James K and loan processor Edward C both are very helpful and professional. The process went very smoothly and quick. Thank you for saving me less on my car note and interest rate! I recommend this company for refinancing!
About a month ago I refinanced my car with a representative named Isaiah Flores. He was absolutely fantastic, gave me a couple options and explained different add-ons and exact pricing for each. They shipped out papers overnight. Had to …
I contacted these guys and was ready to refinance however what they advertised was definitely not the real deal!!! I was concerned about gap insurance and my warranty that I would have to purchase new from them ! I was given a rate that exceeded my current rate by a landslide so I would not recommend
I’d never heard of RateGenius and had some concerns about what our experience would be like. Our Loan Officer was thorough, professional, and friendly. His responses to our inquiries were timely and efficient. Thank you RateGenius for a great experience!
Everything went well. A few delays because I was not computer savvy, but they were patient and helpful and I learned a few things along the way.
Great job Rate Genius
Me and my fiancé were looking into refinancing his car, and they set us out for a loan we finally agreed on, without the added fees. We filled out the paperwork and put money into the process with the notary signing agents and sending all …
I work with Mark who served in the Army and was in the same area I was. So he and I had a good connection. It was easier for him and I to talk. He also helped speed things up. He also keep me up dated throughout process. It was nice …
Trudy was awesome and an absolute joy to work with. She provided quick and accurate information and has an amazing attitude. Great experience all around and we decided to refi a second vehicle because she was so great!!
Rate Genius did an amazing job refinancing my car. They brought my rate down and I’m saving over $5,000. My loan rep Samuel was so helpful throughout the process.
I had a great experience trying to refinance my car. Greg explained everything very clearly and I got a great rate. The process was fast and I saved alot in the long run.
I was not sent all the proper documents to sign with my original paperwork. When RateGenius realized this they sent me a supplement that needed to be signed. This was signed and returned. They then called me to tell me my lease buyout …
Very disappointed. Spent hours filling out forms and collecting documents. Had refinancing approved and then suddenly dropped and essentially told “sorry we can’t help you good luck.” I have excellent credit and had other loans secured but …
I’ve applied 3 times to RateGenius. In all 3 cases, I was”shown” a great deal. In each case, once the actual application gets placed and reviewed, the rate and payment were substantially higher. This last try, I was shown a lower rate, and …
Great people to work with on such a personal thing. EG was just lovely and took her time with me, I needed her guidance and that was what I got! I highly recommend Rate Genius to find a good finance team for your needs. 2thumbs up!
Joshua Oliver-Adams was my rep and he was awesome! So patient and he was always ready to answer any questions I had, even if it meant communicating on the weekends! Best company to work with on a vehicle refinance, HANDS DOWN! I could never say enough great things about RateGenius!
I am so happy with the service I received at Rate Genius, particularly with my agent Trudy! She went above and beyond to get me the best offer with my refinance as well as ensured I got a auto service plan for additional security on my vehicle. I now have a lower payment and lower interest rate. Thanks So much Rate Genius!
My agent Samantha was fantastic. Due to my hectic work and personal schedule, it took me about 2 months to complete my refinance, but she stuck with me through the whole thing. In reality, it should have only taken a week. All in all this move has saved me a little over $100 a month. Very satisfied with the experience.
Mark Santos was exceptional to work with. He treated us with the utmost respect, answered all our questions, and replied in a timely manner every time. Very down to earth. Awesome experience across the board. whole process took about 3 …
I used Rate Genius after I got a high interest loan from the lender at the car dealership. Rate Genius was able to help me secure a loan with a credit union and lower payments. I’m happy with their service and definitely suggest trying them if you’re having problems searching for a lender on your own.
I can’t rate the overall effectiveness or greatness of the business in itself, but more for the rep that called me and presented my offer. 1 or negative 1 if that was an option. The most non personable representative. He interrupted me …
Bobbie was extremely knowledgeable and personable. She took the time to explain every part of the process and what was needed from me upfront. She lowered my interest rate and my payment! I absolutely recommend RateGenius to anyone …
I had such a great experience working with rate genius in buying out my car lease. My loan officer, Kiki, was extremely attentive and had great communication with me since day 1. He really made this experience painless, easy , and quick! I would highly recommend him and rate genius! Thank you!
I went with RateGenius to refinance my vehicle strictly because they offered me the best rate, and I shopped around for about 3-4 months. Trudy was the absolute best, very easy to talk to, very responsive to messages and questions. If all of the employees are as knowledgeable as Trudy well then you get a 10 star.
Staff was coordinated and keep me updated every step of the way. They got me a great rate and a little cheaper per month. Overall experience was exceptional. Id personally like to thank Eric Collins for making the entire process extremely human and personable. Would recommend to all looking for refinance.
It was very easy refinancing with RateGenius my agent was very responsive and always helpful with any questions I had.
My representative Tyler was amazing from the beginning of my application throughout and to the completion of my application. He explained the process that Rate genius uses and that he would be available anytime to answer any questions. He …
Chris Jackson was SO helpful and got everything done for me in such a timely manner. He was extraordinary!!!! 10/10 recommend
I was given first class service by Quazi my loan officer from the first conversation to my last encounter. I had such a great experience that I am now recommending two friends. Thank you Quazi and your team for your professionalism.
Matthew waring helped me out with my car refinance process and made it so easy for me. Awesome people to work with.
Great job refinancing my vehicle- was able to drop my payments by $210 a month!!! Pretty easy to do everything. Would recommend!
Streamlined process, very transparent, and excellent customer service. The dashboard made it easy to know where things stood along the way, and my agent, Emily, could not have been more helpful!
Bobbie Guzman was the nicest person I’ve ever worked with. I had to reschedule a bunch of times but Bobbie worked with it. BEST customer service!!!
Sam was amazing, very informative, patient and professional! He was the gold standard for sure and made my experience with rate genius outstanding!
They are on point making sure you are taking care of I highly recommend them to anybody looking to refinance truck or car I give them a perfect 10 Christine was fantastic i giver her a perfect 10
Scam. They get you approved on low rate ask for all the details pull credit score (affect it) and than they said rates are different. Don’t let them fool you.
I want to say how great of experience I had working with Mr. Barnett and his partner Ms. Villafana. They were really patient with the whole process with me and had a very professional positive attitude. We reached our goal and I couldn’t of done it without them. So this is my thank you to them and Rategenius. Hope they get a raise haha.
Caleb shaw was amazing in the process of my refinance, any question I had he answered, was very timely, went over all documents with me and made sure I got the % I was offered b/c they tried to higher the rate. Thank you ^-%
It wasn’t good at first, but when I switched to another loan officer it was easy and smooth sailing. He explained all in detail and was very tolerant about my situation.
Jeremy Odem was awesome at helping me with refinancing and getting me a better rate and lower payment!!!! Was a very busy time for me at work so he would text me updates on the process which really helped! Thanks Jeremy!
From the beginning to the final approval,everything went so smoothly, with Carlos Cruz. Mr. Cruz guided me through the process with great detail and helpful for a very satisfying refinance of my Auto.
People don’t trust them. It’s fake. I have got pre-approval from
Credit karma and APR approved was low and when they called me they give me rate different. Its way higher then approved by credit karma. It’s completely fake. …
Do not use this service. My insurance company question whether it was a legitimate company. They ran my credit score twice without my permission which put a ding on my credit score. It went 2 months without them making a final decision but they led me to believe that I received the refinancing. Very very disappointed.
Chris Jackson. Of Rate Genius awesome person. Highly recommend speaking with him for your refinance needs. Very helpful. Thank you.
The rep I had Leanne was terrific. And others ones I worked with on text msg were also terrific. I hope everyone is like them if I ever need to call in. Great service so far
Got a letter in the mail noting that I was preapproved for a refinance at a rate of approximately 3% but when I entered in all my information, I was contacted later saying that my current rate was great and they can’t beat it but they can offer to lower my monthly payments. Incredible waste of time and now they have my information.
Joseph Alvarado has to be one of the most passive aggressive reps I’ve ever chatted too. He was also force pushing “gap insurance” and when I would tell him no, he’d become upset and rude and rush through explaining things. AND Creditkarma …
I’ve never refinanced anything before. However, with Aaron and Carlos the process was done within about a little over a week. I’m very much appreciative of to them and RateGenius in general. Thank you!
I got a message from credit karma saying these people work hand and hand with this company, and that they could refinance my truck at a way better rate. Well they both lied. They said they had matched my account to this company and they …
No communication and my credit was hit so many times with no explanation why. I was approved several times and my credit was still being hit weeks after. The loan officer said he would call me to explain… but nothing.
Had the pleasure of working with Chris Jackson and he was great! He made the process very easy, it is super refreshing to be treated like a person and not just a number.
They made the process super simple and easy. Any questions I had they made themselves available to answer. Constant contact and communication throughout the process. Samiul was awesome to work with. Excellent customer service.
Had a great experience with RateGenius; and Samantha was a pleasure to work with. Highly recommend you give them a chance if you need to refinance.
Samiul Hassan found me the best rate on my auto refinance. The process was flawless!! Thank you Rate Genius !
My experience with RateGenius was phenomenal.
Phatipha B. was very helpful with explaining any details that were difficult for me. …
My interest rate on my current auto loan is really high, so I was looking at trying to refinance. I have been working on my credit for the past year, and had brought it up to 630, 660 on my experian. Credit karma had rategenius as their …
Received a pre-qualified letter. Start the application and found out that it’s too much unnecessary steps. Canceled and then received a notice of a hard inquiry on my credit. They are big scam stay away
HORRIBLE! If I could leave NEGATIVE stars, I would! I applied for a refinance on my vehicle and sent in all documentation I was asked for. The next day, I received the APPROVED email with instructions to call their representative PAOLO to …
Worst customer service. They take all the information, make a hard hit on your credit, you send in all the paperwork at their urgency. Then nothing! Call every day and all they say they can do is they will email your loan officer. Then you never get a call back. Don’t waste your time or damage your credit dealing with them.
They ran my credit multiple times, the first when an application was submitted and again, without permission, 16 days later. I submitted a complaint to the Consumer Financial Protection Bureau. They chose to lie in spite of multiple forms …
The process was for refinancing my vehicle was easy and simple with the help of Bobbie. I was able to receive a lower interest rate with great perks. The only downside was the waiting. Lol but it was worth it.
What an experience alright! So on Nov. 1st I think, I was contacted by Mark he presented a great deal we spend a good time talking he talk about what a great company I was gonna get. Everything is great. But than. …
Chris Jackson was extremely excellent with helping me secure a loan. He’s was very knowledgeable and explained which loan would be great for me. Job well done Chris !!!
I wanted a list of current auto loan rates. Despite not providing my SSN or checking the box for credit inquiry, I had a hard inquiry on my score. I called Rategenius for assistance as well as tried to communicate via email and the representatives were rude and unhelpful.
Got a “pre approved” mailer saying I could lower my interest rate for my auto loan. Called to see if it was true. Was in fact not true. Got a hard credit hit despite not being interested in applying. Then got a mailer saying I was “denied”. …
Some of the people that work here clearly lack customer service skills and just all around care for others. I EMAILED my “loan officer” (more like car salesman) asking for an eta of when my application approval timeline would be and he …
RateGenius’ agent made the process of getting a lower monthly auto payment at the time I really needed it. My husband died and my monthly expenses have gone up. RateGenius saves me $100 a month. What a blessing.
The worst. I applied for refinance and naturally I took a hit to my credit but heard nothing from this company. I called and they tell me application is missing VIN then they tell me I can’t apply due to me having a chap 13 a year ago. This is not how business should be done. I will not trust this place ever again
LeeAnn Zimmerer was the Agent I worked with to set up the entire refinancing of my vehicle with Elements Financial. She was very professional and at the same time, very personable. She was always accessible either by phone or through text …
Worst customer service and communication at rate genius i filled out an auto refinance application a gentleman that was supposed to email me back and walk me through the process left me hanging didnt reply to me for three weeks waiting for …
DO NOT USE THEM. At first I thought they were great I refinanced easily and everything went smoothly Alfredo was awesome helping me. However fast forward 3 months and I’m trying to pay my vehicle off to sell it and the current bank doesn’t …
Very kind, efficient, and hard working company. Made the whole process of switching auto loans simple. I felt valued as a customer, highly recommend.
I worked with Aaron Burlingame from Rate Genius
and we had numerous very nice conversations. Aaron was
professional and efficient. Always answered my questions and …
Ann McKinley was very helpful. She made everything quick and easy! Even though I was hard to reach at times, she always followed up with me and was also very kind!
Great company. Bobbi was readily available to assist me. She explained the entire process in detail. She kept me informed every step of the way and made sure that ultimately I received the best offer.
Excellent service. My loan officer, Chad Mikels, was amazing. He walked me step by step through the process and answered all my questions right away. I’m very happy with Rategenius – a truly excellent business.
The loan agent Joshua was very friendly and accommodating. At one point I wasn’t sure about the amount if time the process would take or if my credit would be affected. He assured me multiple times I would be okay.
Really horrible experience. First rep lied to me numerous times and messed up everything. Ended up being forced to make a payment early (after being told it would be 60 days before a payment was due) and because they kept screwing up the …
Credit Karma suggested this company and I have filled all the details from credit karma portal. The process was easy and after a couple of days of my submission, one of the employees replied that my application has been APPROVED. …
I was able to refinance my car loan from a high interest rate to a reasonable one with this company. I worked with Ann McKinley and she was very friendly and attentive and we were able to get this done.
Bobbi Guzman was an AMAZING person to work with! She was efficient and communicated everything needed in a a professional manner. I would definitely recommend using her/Rate Genius again. Thank you
I was not told prior to spending my own money to get documents notarized that my application was expiring a few days before the documents were sent. The blame was put onto me by my agent as they called me during times I had explicitly …
The process was smooth initially, my loan was in its final stages and I had even been contacted with my new loan holder, when I stopped hearing from Rate Genuis. There was a complete and total communication break down with my assigned Rate …
What a tragically terrible experience. I’m sure that they pay very well to a third-party company to have negative reviews taken off of google and yelp. Just like my company does. Anyhow Philip Pilkey told me it would be a 10 day process …
Very convenient and easy as ABC! My loan officer TRUDY MIQUELERENA was so helpful and very personable! I recommend this site for anyone who’s looking to refinance with ease, and I definitely recommend Trudy as a go-to! She is a cut above!
Decided to do a re-fi and RateGrnius was absolutely awesome. Lowered my interest rate, and dropped my monthly payment. The process was simple, fairly easy to follow, and didn’t take very long (about a week) to get done.
Rate Genius was able to cut our interest rate in half by refinancing our truck loan. They were so easy to work with and it didn’t take them long at all to get the financing approved. They even overnighted all of the paperwork to sign. I would highly recommend them for any loan refinance. Thank you RateGenius.
I recently used Rate Genius for my car refinance and I’m so glad I did. They made it so easy for me and the process went smoothly with no problems. They were able to go above and beyond by even finding an extended warranty for me that I …
Had a very good experience getting my car loan thru RateGenius. The rate was competitive, the staff was knowledgeable and communicated with me in a timely manner. My loan needed to be finalized in a certain amount of time, and it was closed even sooner than it needed to be.
Be very careful when applying for refinance with rategenius. They will do a hard inquiry and sometimes you will get a denial even with 750 credit score. Never try this company. Without my permission, they forwarded my information to Autopay …
I was curious if Rate Genius could reduce my high payment for my car. They checked different banks and FCUs. Leo and behold a reduction in my interest rate and the payment is $100 per month lower! …
Eileen, handled my application without a flaw. She was friendly and helpful. The whole process only took 2-3 days. I would use RateGenius again and highly recommend them.
Working with John Milton was one of the best experiences. He was patient and knowledgeable and ensured I knew statuses every day. Fast and easy process. I would recommend RateGenius to anyone.
Wow, what a terrible experience. I was looking to buy out my lease on my 2020 BMW so after some research I chose them . So they were quick to respond to my request. Basically, they run your credit and try to fit you with a bank in their …
I had the opportunity to get my car refinanced with Rate Genius and spoke with Eli Beckett who was able to save me $150 a month. Thank you for your help through this process. I definitely recommend Rate Genius to help you.
I used them online to try and refinance my car loan. Was supposed to get pre-qualified with a soft credit hit. They instead did a hard inquiry on my credit file. If I would have known that they would. I would’ve not even tried.
Inaccurate claims, I applied on credit karma in the promises they would get my interest rate down to 4.4%. After applying, having my credit dinged and being “approved” they’re offer was 15% interest! Nearly double what my current interest …
This company is incredibly unethical. Make sure you read the fine print before you sign anything with them. When I spoke to a representative after applying, I told her I wanted to refinance to lower my interest rate and save money. She …
Very friendly and fast and they got me a great loan option. John Milton was super nice, funny, helpful and to the point. Definitely would recommend them for vehicle refinancing.
So I received a letter in the mail from rate genius last week telling me that I have great credit and pre qualified to refinance my current auto loan with a new lower rate of 3% and a lower monthly payment. I said to myself great let me …
At first, I was extremely disappointed with this company because I felt they gave me false hope and the run around, but after working with Kyle he made good on his word and got my approval. I was even reimbursed for the excessive notary …
Great service quick and easy down to the point they go over with you all the options you have and let you choice the best one for yourself. My payment was 789 and they lower it to 379 best service ever. Special thanks to my loan officer Chris French thank you again
I can’t ever get ahold of my loan officer. I’ve left calls and emails and he will not respond to me. I’ve had a problem with the old loan payoff. My old loan company is saying that they haven’t received the check from rate genius and rate …
I responded to mail I received about refinancing. I was at such a high rate! In that mailing Rate Genius indicated another lender and lower rate but I received a bit higher than and cut the percentage rate in half!! I’m used to financing …
Josh has been absolutely amazing answering questions and going above and beyond and responding after normal business hours. He has made this transition of a loan a lot easier and less scarier than I thought possible. Give this man a raise!
Substandard service, filled out my info online and with out authorizating an inquiry and I get a notice of inquiry request from one of the bureaus denied by my credit lock luckily. I purposely lock my credit to prevent this kind of service …
Good online system certainly. But did send a false letter to home stating that they are offering a lower interest than what I have now to lower the payment and after going through the process, was told told none of those are available they are not aware off the letter. It was a waste of my time.
If you get the pleasure of talking to Christopher, you are a lucky person. I didn’t get the rate I was looking for due to the age of my credit but Chris made sure to get me the best rate he could while also keeping my best interests in …
I decided to explore options on refinancing my vehicle. I was recommended Rate Genius and giving Edward Kain as my loan officer. Upon discussing my new APR, as it wasn’t much of a difference, I was no longer interested. He changed his town …
Would not recommend this company to anyone. I have always used traditional lenders and decides to go outside the box for once. I did not end up using this company for the lack of communication and professionalism. Be very careful using this …
I reached out to rate genius they credit karma. The princess was effortless all I did was submit my info and they took over from there NO embarrassing questions regarding your credit score or anything. Infect my loan officer would text me …
Samiul was great. I didn’t have to ask many questions because he explained everything very thoroughly. Always responded to my txt or called when I asked. Didn’t try to talk me into anything I didn’t want and understood why. Overall great experience. Would recommend Rate Genius to anyone looking to refinance a vehicle.
Top notch service with competitive rates. Samiul Hassan went above and beyond to ensure I get the best rate possible and stayed in communication every step of the way until my loan was funded for my lease buy-out. I highly recommend …
Positive experience with RateGenius. My loan specialist Taniessa was more than helpful, she made the whole process easy to navigate and understand while providing great customer service along the way. Would recommend RateGenius to anyone looking!
Trudy was very helpful in my situation. She went above and beyond and got what I thought would be impossible done! She was so kind and handled my particular situation with compassion and care. I would 100% recommend this company because of her. Thank you Trudy!!!
My Loan request was approved today – Rate Genius is a good company but I wish I could say my experience was better due to the person that was helping me – from the very start P. Martinez talked to fast, I could not get a word in to ask …
Very fast and professional. Was able to work with my lender in my state when other on-line lenders could not. Received a very good rate relative to where they are at. Would definitely use them again.
Total waste of time! Not only was I NOT contacted directly with the details about my approved offer BUT the monthly payment that the agent offered was MUCH higher than what a I currently pay. Also, the APR was MUCH higher than the APR …
At first I was worried because I tried to get my car refinanced a few months ago with a different company and it was a horrible experience however, Ryan Mitchell with RateGenius guided me along the way and made what seem impossible, …
I’m currently self employed and made the rep aware of this and that I had not yet filed my 1099 but had proof of income from my company or bank statements. The rep assured me that would be fine and ran my credit. I get pre-approved and …
They are so helpful. They got back with me quickly when I had to correct 2 mistakes. They explained the mistakes so knew exactly how to correct them. They have always been polite and helpful. They return text and emails promptly. Answered all my questions. Just an all around great experience.
Sam was very helpful and walked me through the entire process. Rate Genius made refinancing my car super easy and got me am amazing rate. Highly recommend!
My old loan was never paid off, my loan officer hasn’t called me back, I’m promised a manager will call, nothing. No one is answering emails either. I now have two car payments due, and no one will respond. I had originally given a five …
Chris Jackson at the Austin, TX office was very professional and courteous and provided me with great customer service. The refinance process was quick and went smoothly with a great turn around time. I submitted everything online with no issues. I highly recommend this place!!!
From Tony who helped me refinance my loan, to Joel and Nikole who helped me with a snafu with my title after a name change and cross country move shortly after refinancing, I couldn’t say enough positive things about this company! Their …
I would like to start out by saying that the process was pretty simple and then they decided to take my money run my credit multiple times and they waited after 30 days and then my paycheck stubs and bank statements no longer valid and the …
A very strange situation happened. I got approved for auto loan refinancing. I was contacted by Ernie, yesterday he called me, during the conversation I asked if he could call me back using the language line, because now my level of …
I’ve financed and refinanced many cars. Without mentioning reps names it was the worst I’ve had till this day and it was not because he couldn’t offer a better rate, it was because of his attitude towards me. Tue reps are there to help and …
So we submitted our paperwork Keith Edward’s was cool until he got the paperwork told us on a Monday he’d call us by noon, today is Wednesday we’ve call twice yesterday & twice today he doesn’t return phone calls. Nobody else will help you …
I recently applied to refinanced my car, I have been working so hard on keeping my credit on good stands, but with companies like RateGenius makes our efforts in vain. I applied to refinanced my car and I got in contact with a “Loan …
I wasn’t sure if I was going to get the same treatment with an online company vs a local credit union. My experience here was awesome. I was assigned to Trudy Miquelerena and she was amazing. She made an intimidating process very easy, was …
Cynthia was great to work with and I was able to get a much lower rate and a better warranty than what I had previously! The process was simple and Cynthia was outstanding. I would definitely use them again should the need arise!
Rate genius pulled my credit, I completed the application tasks within the same day. I attempted to reach out to my agent several times after she stated I could text or email for a few questions. Attempted to call, email, and texts. Never …
My loan officer Trudy was awesome! She was prompt, knowledgeable and friendly. She made the process very easy and enjoyable. Highly recommend if you’re looking for ease and accuracy.
Was told my chance of approval was “outstanding”. My credit score is 796. I only owe 7k on my car. Never been late, never missed a payment & somehow I wasn’t approved. If I could give this company 0 stars I would.
I had a great experience refinancing my car through Rate Genius. I tried going through Auto Approve originally but the process and communication there was unprofessional. Full disclosure, I originally declined the offer I was given from …
Erica was absolutely amazing! She was quick, efficient, and very personable! She made my experience great (especially with me having a stressful and unique situation). Will definitely refer others to Rate Genius due to Erica’s service!
Rategenius got me a rate from 8.25 to a 4.25, with no refinance down payment due to the value of my vehicle. The loan officer was prompt, professional, and friendly. He got my loan approved quickly and answered any questions I had via a phone call and even text. I would highly recommend for anyone looking to refinance their vehicle!
My refinancing of my car loan was so awesome and easy it blew me away! Greg Hale was incredible at helping me through the process and making me laugh along the way. I could not be happier with my service!!! Thank you for wonderful service!
Absolutely amazing experience! My officer Austin Flannery was quickly responsive, helpful, reassuring and made the entire process so smooth! He was able to refinance me into an amazing deal and has relieved so much financial stress off of our family! Would definitely recommend to anyone!!
Thank you Rate Genius! My refinancing experience went smoothly and quickly. World class assistance and service from my loan officer Merethah Polk. She is friendly and knowledgeable and helped answer my questions. Would definitely recommend👍🏻 …
Great experience! Joshua Oliver-Adams was my Representative, and he was there through the whole process. Got my APR down at least a percentage point, maybe 1.5%, can’t remember exactly. The only hiccup was my fault for not checking the date …
I had such an amazing experience refinancing my vehicle, Trudy Miquelerena is such an amazing and professional person, through her perseverance she was able to work with my very busy schedule and get me the best rate possible, communicating …
Jerri Hall was great. Contacted me quickly after applying and got me a great loan offer/approval. I wasn’t able to move forward right away, but once I was she got to work immediately to meet a tight deadline to buy out my lease. Everything came together as needed and I could not be happier.
Working with Rate Genius was easy, fast and I got the results I wanted. Samuel was amazing and walked me through every step. He also followed up with me even after the loan closed. Very professional and impressive
Absolutely recommend this. Credit Karma recommended it for me, being skeptical I did some research and I don’t regret it one bit. My APR dropped by nearly 8%. They only did one credit pull and used that to get me the best loan possible. Phatifah, my loan officer, was tremendous in the whole process. Thanks again.
I used RateGenius to Buyout my Lease.
My Loan Officer was Aaron B. He was extremely friendly. The Interest Rate I got was even lower then I was 1st quoted & by far lower then any other companies …
Very straightforward and very simple process. They were able to refinance my loan and find a lender who offered a much lower interest rate. I am completely satisfied with this service and will recommend it to others!
I’ve just refinanced my vehicle with RateGenius and I was very pleased with my results. I got a lower rate and I got a lower monthly payment. The customer service was really great Ms. Marli answered all my questions and was there for me the …
Burke was very quick with all responses. Diligence is an understatement with RateGenius. This team is the real deal and will get you a lower rate if you’re serious about refinancing. I was able to save over 2% in interest and shorten my …
This is the second time we have we financed through Rate Genius the first time for my car this time for my husband’s car. Both times we had excellent experience. They took care of everything went very smoothly. Early took about 3 days from application to funding of our loan and each time we had a great aving$
Samantha Castro was my loan specialist for my jeep refinance and I have no idea how I would’ve been able to do it without her. She’s amazing and was so patient with me throughout the whole process. She’s easy to get in touch with, responds …
The only negative thing was the hard credit check while others did a soft check. Other than that the rest of my experience was great. The loan officer was great to work with. He was very thorough with what was needed and able to answer all of my questions. Overall good experience.
Simple process that did not take a lot of time. I like that they text you if they need anything from you. It eliminates constantly checking your email or having to deal with missed calls. Bobbie Guzman was very nice and helpful! Definitely recommend RateGenius!!
We used Rate Genius to refinance our auto loan. This was the first time we’ve ever attempted to refinance a vehicle. Samiul made the process so seamless from start to finish. We got it all done in LESS THAN A WEEK and are happy with our …
Great experience. They really have a large pool of lenders to find you a competitive rate, but what really sets them apart is communication along the way. Available by text and automated links as to loan progress, you always know exactly …
By far the best decision of my life. Everything was so easy and simple. The best part was my loan officer she made the whole process worth while and fun. I even feel I may have gained one new friend 🙂 if you want to refinance there is no other choice. AAA+++
They pulled my credit report without my approval and without me giving them my social. After that they said your current interest rate cannot be lowered than that and they can’t offer anything better. So they only added a hard inquiry to my …
My experience with RateGenius was great. My consultant was Ryan Mitchell. He was very knowledgeable and knew his job well. He helped us every step of the way. This is the second time we have used RateGenius. I am glad we did. We highly …
Had the opportunity to refinance my car and credit karma gave me excellent odds of approval. I know my credit is good and my financial situation has no issues on my ability to qualify for a refinance. After waiting several days for my …
Rate Genius has been great!! I had Greg Hale as my loan officer and he was so helpful!! Very responsive and pleasant to work with. I was able to lower my payment $160/month because of the great rate they got me!! Couldn’t be happier with their service!!
Best place to go! Cut my payment by half! Terms were great and didnt have to increase my balance thousands of dollars and years on the loan. Highly recommend! Easy process, quick and efficient. Start to finish only a few days! Jeremy Odom is fantastic!
Service was A+!! Charlene Jackson made the process easy and followed up with me at every step of the process. I didn’t have to ask many questions because everything was laid out for me and she walked me through the process step by step. I …
The loan officer I was assigned was very helpful. Even with me not being able to take phone calls due to the amount of hours I worked. Everything was a smooth process. If you are needing to refinance, RateGenius is definitely worth a shot.
I applied because it says that the interest rates are 3.30%. I have very good credit so I should have no problem getting the lowest rate. After applying and sending all my info in they called to say they can’t get even close to that low …
We came to the end of our lease and decided to go through with a lease buyout. Rate Genius was really good and made the process seamless. Our Loan Specialist Matthew W. was thorough and worked quickly since we were on a tight timeline. …
Friendly people who know their stuff and quick responses! They were able to shave nearly $100 off my car payment and lower my interest rate 3 whole points, without greatly extending the life of the loan! I had to extend the loan further …
I applied for loan refinance and it was really easy no hassle. I made some quick signatures and I like my new rate, and my monthly payment. I like my new loan I’am happy that I will be able to fix my car. Trudy was very understanding, and …
I recently used RateGenius to conduct my end of lease buyout of a vehicle. My loan officer Sam was very thorough and found me a great rate. The website dashboard was easy to use and clear on instructions/next steps. The dashboard works …
I was very skeptical about using RateGenius in the beginning but took a leap of faith and submitted an application. Extremely easy process to apply and submit the required documents online to get the wheels turning to refinance my car. My …
I had a great experience, they got me approved with a local lender at a great rate and the process was very straightforward. All I had to do was submit an application and they did the rest. My loan specialist Marc was amazing. He walked me …
My experience was outstanding Rate Genius. Ron Brown was awesome to work with. He was efficient and sense of urgency. He got my loan approved with a lower rate I was originally approved for and my paperwork to me the next day. It took less …