4.5 of 5 Stars | 140 Reviews
Rate
4.4

Fees & Costs
4.5

Responsiveness
4.5

Customer Service
4.5


Customer Reviews Write A Review | Read All 17 Reviews

Overall Rating
5 out of 5

Rate
4

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: cfbest04
NJ

Reviewed On: November 6, 2009

Loan Request: October 21, 2009

Loan Closed On: November 5, 2009

Excellent

Rate Genius did a great a job, very happy. Joe the customer rep was very helpful and got back to us quickly. Would definitely use in the future.


Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: truckerjer
Oregon

Reviewed On: November 6, 2009

Loan Request: September 24, 2009

Loan Closed On: November 5, 2009

Excellent company

Everything went very smoothly with this company. Would use again and recommend to friends.


Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: Tzvi41
New York, NY

Reviewed On: November 6, 2009

Loan Request: September 15, 2009

Loan Closed On: November 5, 2009

Great Experience

I was extremely pleased with Rate Genius for my lease buyout loan. They set me up with a much lower rate than a could find elsewhere and were very flexible when it came to my requests to change certain terms. The loan agent was helpful and responsive and helped me get through the paperwork quickly and easily.


Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: Jmon
Euless, TX (DFW Metroplex)

Reviewed On: November 6, 2009

Loan Request: October 2, 2009

Loan Closed On: November 5, 2009

Rate Genius Texas

My customer service rep was very helpful and made the entire process go smoothly and painless. It's was the easiest of transactions to complete and actually took less time then the dealship I bought the car from. I would recommend using this group to my family and friends and will probably us them in the future.


Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: wesley
Dallas, TX

Reviewed On: November 6, 2009

Loan Request: October 13, 2009

Loan Closed On: November 5, 2009

Excellent Company

Within one day I had the required papers sumitted and they had my loan approved. They also had the best rate out of anyone. Excellent customer service!!


Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: mercat
East Amherst, NY

Reviewed On: October 7, 2009

Loan Request: September 6, 2009

Loan Closed On: October 6, 2009

auto loan refinance

I liked wroking with the people at rate genius. Especially a lady named Lula. She was very pleasant and helpful. It was pleasure doing business with them.


Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: PJammer
Houston, TX

Reviewed On: October 7, 2009

Loan Request: September 8, 2009

Loan Closed On: October 6, 2009

Excellent Service

I was very pleased with Rate Genius, the were quick and efficient and in one day I had refinanced my car with no problems. Would definitely use them for my next big purchase!


Overall Rating
4 out of 5

Rate
5

Fees & Costs
5

Responsiveness
4

Customer Service
4

By: Gary
Texas

Reviewed On: October 7, 2009

Loan Request: August 17, 2009

Loan Closed On: October 6, 2009

Acura 2006

Obtaining the loan was quick and easy. The rate was lower than expected. My only problem was that I never received confirmation that my loan had been approved after I submitted the paperwork.


Overall Rating
3 out of 5

Rate
3

Fees & Costs
4

Responsiveness
2

Customer Service
2

By: Blesson
TX

Reviewed On: October 7, 2009

Loan Request: September 1, 2009

Loan Closed On: October 6, 2009

Average

The rate was a point less than my original, so not much as I expected. There was a $25 fee for the auto loan refinance. Initially communication was excellent and after the paperwork was completed, there was absolutely no communication. I left at least five voicemails and three emails to the person I worked with and never received a response. The loan was approved and I ended up calling the bank that accepted the refinance to find details.


Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: Slyjoe
Las Vegas, Nevada

Reviewed On: October 7, 2009

Loan Request: August 26, 2009

Loan Closed On: October 6, 2009

Two thumbs up!!

Rate Genius was simple, easy, and straightforward to use. I would use them again and highly recommend them to others. The person who assisted me with my loan process was very knowledgeable and responded promptly to any questions I had. The loan was funded quickly and communication was paramount. Thanks again for making the loan process so easy.


Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: monsterpd
Las Vegas, Nevada

Reviewed On: September 12, 2009

Loan Request: August 19, 2009

Loan Closed On: September 3, 2009

Simple & Easy

Unbelievable! That was the best deal ever! Before i discovered Rate Genius, I questioned a Finance Manager at a car dealership here in Las Vegas regarding applicable interest rates to customers who have decided to buy their leased cars. Of course, as expected, he gave me the usual .."oh it depends on what your credit is..." (you've paid the lease for 3 years and they're still giving you the runaround. Yet, he made it clear that there were doc fees, title fees, etc... or simply more $$ to pay to purchase the car you leased from them!). So enough is enough. Went to see what options I had and bam! There's Rate Genius. Submitted my info online and got a response immediately. Spoke to Chris and he simply guided me through the options i had. So, after having been informed of my lender's offer, i decided right there and there on the phone! Best part is...it was done the way we discussed it. Simple. No qualms. No complications. It was all very SIMPLE!


Overall Rating
5 out of 5

Rate
4

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: Terry
Denver, CO

Reviewed On: September 6, 2009

Loan Request: August 21, 2009

Loan Closed On: September 3, 2009

Rate Genius

Super easy. Worked with us, beat a competitor's quote. Helped up fill out the paperwork, and loan was closed in less than a week.


Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: Solidkjames
North Carolina

Reviewed On: September 4, 2009

Loan Request: August 3, 2009

Loan Closed On: September 3, 2009

Great everything!

Made the refinance process easy and got me a rate and loan term that was above and beyond. The customer service representative I had made me feel as though I was a top priority and for that I would HIGHLY recommend anyone to use rateGenius as a lender. 5 stars for me.


Overall Rating
4 out of 5

Rate
4

Fees & Costs
4

Responsiveness
2

Customer Service
3

By: whiskeysmama
Houston TX

Reviewed On: August 6, 2009

Loan Request: July 17, 2009

Good rate, not so great response time

Received a great rate, and loan app went through quickly, however, I never received any responses to my voice mails or emails when requesting information on when the payment was going to be made on my original loan. Payment was eventually made (before the payment was 30 days late), but I still never received anything from them confirming it.


Overall Rating
4 out of 5

Rate
4

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: RonS
Houston, TX

Reviewed On: July 29, 2009

Loan Request: June 26, 2009

Rate Genius

Very professional and quick to respond. They had a lender withen a day and had the whole deal done in a week. Thanks for the great rate!!!!!


Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: Lapitman
Crosby, Texas

Reviewed On: July 24, 2009

Loan Request: July 3, 2009

Auto Refinance

Everything went very smooth. Within 3 weeks the new loan was in effect..


Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: drea1014
Austin, Tx

Reviewed On: July 19, 2009

Loan Request: July 13, 2009

Excellent Service

Chris contacted me as soon as he had a new quote for me. He explained everything in depth and sent me all of my options through email so I could sit down and really look at them. He answered all of my questions and was very helpful in this process!


Ratings-only reviews for Rate Genius

Overall Rating
4.5 of 5

Rate
4.3

Fees & Costs
4.5

Responsiveness
4.5

Customer Service
4.5

Based on 123 ratings-only reviews

These ratings are based on customers' evaluations of this lender since joining our Lender Network. These ratings do not include any customer comments. These reviews have been factored into the lender's overall rating.


Rate Genius

Our mission is to revolutionize auto financing. By hosting a virtual marketplace, we bring together qualified borrowers and competitive lenders to create the best possible financing opportunity.

Did you know that a car dealer often makes more money on financing a vehicle than on the sale itself? We believe that you should not pay one dime more than necessary on your car loan! In fact, we have saved consumers thousands of dollars by refinancing their loans. And since there is no fee to you, it's like free money.

With rateGenius, it's easy to finance your loan and get the lowest possible interest rate. It's quick, secure and totally free.

rateGenius is a broker not a lender. When a consumer applies to refinance a car loan, rateGenius collects the customer's financial information and submits the application to a member of its Lender Network, comprised of FDIC-insured banks, thrifts and licensed lenders. If a lender agrees to make the loan, rateGenius works with the consumer to complete the loan documents and finalized the loan. rateGenius is paid a fee by the lender for each loan that is closed. There is no charge to the consumer for rateGenius' services. rateGenius is a Texas corporation located in Austin, Texas, licensed with the Texas Office of Consumer Credit Commissioner. In addition, rateGenius is licensed, if applicable, in all states in which it does business.

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