rateGenius Ratings & Reviews

NMLS ID: 1003417

rateGenius

4.2 of 5 277 Reviews


Who is rateGenius?

Who is rateGenius? Our mission is to save you money by finding the lowest interest rate on your auto loan. By comparing over 200 lenders nationwide, we bring together qualified borrowers and competitive lenders to create the best possible financing...

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80% of our customers would recommend this lender. (121 of 151)


Customer Reviews


  • (2) (1)

    Poor Service

    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.

    By:   (Pioneer, California)Reviewed On:

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  • (0) (0)

    Great rate!

    Yes, I recommend this lender

    I got an awesome rate 13.99% to a 3.74%, customer service was great thanks Rick!

    By:   (Pompano Beach, FL)Reviewed On:

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  • (1) (1)

    same old credit provider

    All score no brains.. Use outdated and known horribly inaccurate credit agencies to derive fictitious evaluation on a person. No human factor or common sense lending.

    By:   (Houston, Tx)Reviewed On:

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  • (4) (0)

    awesome

    Yes, I recommend this lender

    Was just looking to get lower intrest rate they got it lowered from a 23.99% down to a 8.99%.Sweet they were quick and professional also lowered my car insurance and doubled my coverage in the process.THANKS JOHN you did a great job

    By:   (tx.)Reviewed On:

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  • (3) (1)

    Your consider a one time customer.

    Yes, I recommend this lender

    Because I refinanced with them a year before and now I am looking for a better rate, they will not look for better options for me. They did not even call me to info. I had to call them to inquire.

    By:   (Covina, CA)Reviewed On:

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  • (4) (0)

    Hard to beat

    Yes, I recommend this lender

    From start to finish it took just 11 days for Matt Larner and RateGenius to refinance my 2014 Camry XLE from 8.25% down to 3.25%.. In addition I had just purchased the car in October, 2014 so I had hardly established a payment track record. I attribute the majority of my good fortune to the hard work and effort put forth by Matt. He was able to lower my finance rate by 5 percentage points but also lowered my payments from $510 to $421. Thank you Matt! I will be saving approximately $5000 in interest over the course of the loan. Great job!!!!

    By:   (Tulsa)Reviewed On:

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  • (3) (0)

    Patience young grasshopper....

    Yes, I recommend this lender

    Rome was built in a day.....but I am nervous for the refinance closing...approved at a great rate 4.49 from 10.75 at my own finance institution! It has been a week, so a few more days..the CSRs are efficient & very nice. When this closes, i will reevaluate to Excellent 5*s All the way!

    By:   (VA)Reviewed On:

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  • (5) (0)

    Refinance my Auto Loan

    Yes, I recommend this lender

    I wanted to reduce my interest rate, lower my payments and save money over time. Rate Genius did just that and was extremely professional, courteous and did a superb job every step along the way. From steven who did an outstanding job with customer service and Mr. Mark Sells Senior Loan Officer who did the leg work and paperwork with the lender made it seem so smooth and a carefree process. The whole rate genius team did an awesome job and made the experience easy and enjoyable. Thank you rate genius for everything and providing me an impecable service. Sincerely, Satisfied Customer!!!!!!!!!

    By:   (Chipley, FL)Reviewed On:

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  • (3) (1)

    Auto Loan

    Yes, I recommend this lender

    They working hard to refinance my auto loan

    By:   (Houston)Reviewed On:

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  • (2) (1)

    Outstanding Customer Service

    Yes, I recommend this lender

    Mark kept me updated through out the process very quick on processing my refinance from 1000 miles away, if there was a question he was there to answer my call or return it at a timely manner.

    By:   (Washington DC)Reviewed On:

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Who is rateGenius? Our mission is to save you money by finding the lowest interest rate on your auto loan. By comparing over 200 lenders nationwide, we bring together qualified borrowers and competitive lenders to create the best possible financing opportunity. In fact, we have saved consumers thousands of dollars by refinancing their auto loans. Since there is NO FEE to you, it's like FREE money. It’s easy to refinance your loan and get the lowest possible interest rate. We’re a broker not a lender. It's quick, secure and totally free. 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. There is no charge to the consumer for rateGenius' services. We’re a Texas corporation located in Austin, Texas, licensed with the Texas Office of Consumer Credit Commissioner. In addition, rateGenius is licensed in all 50 states. We also have an insurance agency, which compares multiple nationwide insurance providers to find customers the best insurance rates—from accidental death insurance to auto insurance to homeowners insurance. We've got you covered.
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