NMLS# 1003417

4.5 of 5stars951 Reviews

rateGenius

  • Recommended Lender
    Recommended 91%
Write a Review

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

Review Breakdown

Great company, Top notch, I enjoyed using their Financing services

Easy Process. Seamless, painless, they are highly courteous & professional. If I had to do this all over again I wouldn't hesitate to use Rate Genius again in the future. They are super eager to please their customers and they made me very happy with my results with refinancing

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Refinance
  • Review Type:

    Lender Review

Very Poor Experience

I was contacted by Rate Genius and they offered me gap coverage told me the price and everything. Paperwork was submitted to me this morning to sign and no gap coverage was in paperwork. I called Rategenius and they said the lender will not include coverage because the rate is under 10.01%. They are offering me 9.92% interest rate. Either way the lender told me I would have gap and even gave me the money amount it would cost and now oh the lender won't do it. Very Displeased would not recommend.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Refinance
  • Review Type:

    Lender Review

Terrible Process, Good Result

The entire process felt like I was getting scammed, from sloppy paperwork, "system errors," many things recorded incorrectly, and most items going unexplained. Then there was the multiple times I was asked to sign documents, and when the link was followed there would be no documents to sign. Then the guy I was talking to would tell me to make sure I was using Chrome (as if I didn't understand the first time he explained it to me to use Chrome) then I would magically get an email sent right after the one telling me to use Chrome, and it would have the documents. The only reason I continued through the process was because I had read reviews that explained my exact situation, but all being resolved eventually. And it all was resolved eventually, and my interest rate is much better than before refinancing. Maybe my loan officer was incompetent, and had I been assigned to someone else, the process would have been more professional.

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Refinance
  • Review Type:

    Lender Review
×

Thank you for sharing your experience

Here are a few tips for writing a top-notch review for a company in our marketplace:

Do
Don't

Customer satisfaction details

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.

Customer satisfaction details

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.

rateGenius

Let's answer a few short questions and see what offers rateGenius and other lenders may have for you.