rateGenius Ratings & Reviews

NMLS ID: 1003417

rateGenius

(4.1 of 5) 285 Reviews

79% of our customers would recommend this lender.

About rateGenius

Based in Austin, Texas, rateGenius is the largest vehicle refinance services and solutions provider in the country. With a network of more than 200 competitive lenders, rateGenius can find customers the most competitive interest rates to refinance their...

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Customer Reviews

285 Reviews

(4.1 of 5)
Review Breakdown
  • (175)
  • (54)
  • (11)
  • (9)
  • (36)
  • from New Bloomfield, PA Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    September 29, 2015
    Loan Closed On:
    October 6, 2015

    $$ Thank you rateGenius! $$

    (0) (0)
    I would have never guessed refinancing my auto could be so easy! Amazing rates and terms. Saved me lots of $$$!! Thank you rateGenius.

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  • from Hartland, VT Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    September 14, 2015

    Great service

    (0) (0)
    Awesome Advice and honesty. Very timely in responding to my request. Thx!

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  • from Riverside, CA
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    August 21, 2015

    You have to give them a chance

    (1) (1)
    Great company they accomplish what they say and give you a decent rate as well. I would not make a decision until I see what this company has to offer. Thank you.

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  • from Random Lake, WI
    (1 of 5)
    Reviewed:

    Poor service

    (1) (0)
    Very poor service. It felt like we were in a continuous loop of sending documents and them asking for me. Finally after 3+ weeks of going back and forth daily they asked for a copy of my social security card. I just gave up because I doubt the deal would ever end. Very inexperienced people working there.

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  • from Canton, GA Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    May 15, 2014

    Agressive

    (3) (2)
    The reason I would not recommend this company because they are to aggressive. I listed my email and cell number as a contact with lending tree. I received several phone calls on my home phone number which I did not provide or authorize as a contact option. Because of this tactic I could not consider them for my business.

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  • from Easton, PA Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    July 3, 2015

    Wow

    (1) (1)
    The speed and responsiveness of the team was amazing. Would strongly recommend them.

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  • from Phoenix, AZ Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    July 2, 2015

    Quick and Painless

    (2) (1)
    After reading reviews here on LendingTree, I was skeptical that I would be able to work with a lender that had a level of professionalism I would expect. It turns out RateGenius was professional, efficient and prompt. Their loan application process is highly automated via the web. If you know how to take pictures with your phone, read and fill out documents, you will do well. I had one document which needed a notary, and hard copies to mail in. As part of their process, they provided a means of printing a UPS label from their site which made things easy. Within about two days, I was notified my loan would be funded and my old loan would be paid off. I wish I could have received a better APR, but in the end, I felt pretty good about what I got. I will definitely consider RateGenius again in the future... Read More

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  • from Cold Spring, Kentucky 41076
    (1 of 5)
    Reviewed:

    Car loan car loan refinance

    (3) (1)
    they told me they got me a better deal on my car loan, I had a interest rate of 19.0/0 percent....they found a lender credit union would lower my interest rate to 10/45, I said that was wonderful great, only stipulation for the line with the I have to buy the gap insurance, I said I did not want buy there gap insurance, I told the loan office already have my gap insurance with my regular Insurance Company, he told me if I didn't buy their cap Insurance the light will not be approved... Read More

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  • from Los Angeles, Ca Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    June 24, 2015

    misleading offers

    (2) (0)
    I was sent an offer letter for refi and have excellent credit. Turned down.

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  • from Pioneer, California
    (1 of 5)
    Reviewed:

    Poor Service

    (6) (2)
    I recently sought refinancing on my vehicle i acquired just after my bankruptcy. Several companies came back with solutions and Rate Genius had the best interest rate saving me near $8,000 - I signed all the loan documents provided all the paperwork requested. Then was told to get my loan I needed to include an $860.00 check which I did. The paperwork overnighted and I received a call the next day that i missed a signature and that they had made a mistake and needed another $46 which they sent my a credit card authorization form which I again promptly filled out and returned - to which I was informed everything was good. 6 days later I notice no charge to my credit card the check has not cleared and there is no change to my Credit report. so I email them to which they tell me opps we valued the car wrong we will need another $1000 to get the loan approved. this I find out not because they were responsive but because I followed up and two days before my payment was due on the auto. My suggestion - do not do business with these people I cancelled negotiations with two other companies because i was assured a better rate and the loan was accepted. Run if they offer you a loan it most likely is not approved and you could end up fouling your loan with your current lender - I was lucky I followed up . Do Not do business with this company they mess up it is oh well 0 they have no concern for the consumer they are messing over... Read More

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Based in Austin, Texas, rateGenius is the largest vehicle refinance services and solutions provider in the country. With a network of more than 200 competitive lenders, rateGenius can find customers the most competitive interest rates to refinance their loans on cars, trucks, SUVs and specialty vehicles, such as RVs and motorcycles. RateGenius does not charge any finance or document fees and our services come at no cost to you, the consumer. If you want to save the most on your vehicle refinance talk to a rateGenius Loan Specialist first.