NMLS# 1003417

rateGenius

Lender Summary

RateGenius is the largest vehicle refinance services provider in the country. With a network of 150+ lenders, rateGenius can find customers the most competitive interest rates on new purchase or refinance loans. With no finance fees or costs to the consumer, rateGenius can help you save the most on your vehicle. 

What they're saying

Ratings & Reviews
984 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Decent experience

Overall I am happy with the interest rate and monthly payment. The loan process seemed to take longer than expected. I understand Texas was experiencing a bad weather event, but feel the communication of the delay could have been better managed. I would use them again.

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Refinance
  • Review Type:

    Lender Review

easy and done in just a few days

Really easy got me a great rate and everyone worked hard and fast to get this done in just a few days

  • Loan Type:

    Auto Refinance
  • Review Type:

    Lender Review

Incompetent and terrible communication

Seriously one of the worst experiences I’ve had with any company, in any line of business. The entire process to complete an end of lease purchase took approximately 8 weeks! As a result I went past the end of my lease term. This was after initially being quoted and “approved” for a loan within the first day or two. After that it was a complete headache. It quickly became obvious that the individuals I was “working” with were grossly incompetent and/or immensely overloaded with work. Days would go by without hearing anything. More than once I got an email at the end of their workday on a Friday telling me they’d look into what was going on. Calling them is a joke—I never got anything but voicemail. Once I received a request for docs that were obviously regarding someone else’s loan. Multiple times I was asked for information and documentation I’d already previously provided. Things only got done after I demanded to speak with supervisors/managers. I should have walked away from the whole thing. Ultimately my loan got done, but under no circumstance would I recommend the painfully ironic Rate Genius to anyone.

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Loan
  • Review Type:

    Lender Review
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rateGenius

Customer Satisfaction rating is based directly on customer ratings and reviews. Customers rate lenders on their customer service, interest rates, fees and closing cost and overall experience.

LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

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