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.
Protracted process, ended up with fees from the lessor
Overall the process was fine. However, it took a very long time to close, with documents having to be redone multiple times. The instructions were not super clear and each time they asked for new docs, I had to get the hard copies to a UPS store. I started the process on 10/15 and it closed on 11/22. I think docs had to be resent 5 times. I ended up owing more than $100 in lease fees because it did not close before the lease ended. I asked if the company could help me with the fees and they refused. Like another customer reports: the rate was good, but don't expect it to close quickly.
Tim from Greenbrae, CA
Reviewed in December 2021
Closed with Lender:
Yes
Loan Type:
Auto Refinance
Review Type:
Lender Review
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(5 of 5)stars
Recommended
Really fast, professional, good follow-up
Excellent online portal, with status updated throughout the day. Responsive. I would highly recommend. I was able to refinance my car, get the loan documents, and a check issued to my old lender/lien holder in 5 days. They were prompt, had good email, and text/phone follow-up. I received answers to my questions. They understood the urgency of refinancing to get my co-borrower off my loan in no time flat. Very quick, very efficient. By being a broker and working with lenders, they were able to get me qualified for 2.49% APR. Some other companies told me the lowest I could get was over 5%! rateGenius was impeccable, and honest.
Jake from Cleveland, OH
Reviewed in November 2021
Closed with Lender:
Yes
Loan Type:
Auto Refinance
Review Type:
Lender Review
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(3 of 5)stars
Lease buyout
As I understand it, lease buyouts are a bit tricky. That being said, the process went okay. I think the person assisting me was a bit inexperienced because I had to go back and forth repeatedly with documents. The big picture wasn’t ever explained to me so there were several gaps of non communication that left me in the dark about loan status. I think the rate was competitive but next time I will just go locally to a bank.
Jim from Littleton, CO
Reviewed in October 2021
Closed with Lender:
Yes
Loan Type:
Auto Refinance
Review Type:
Lender Review
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(5 of 5)stars
Recommended
Auto refinance
I was skeptical at first, thinking that it was gonna be a waste of time but I was dead wrong! My loan officer was amazing and talked through all options with me. I found a credit union willing to refinance my car at 4% lower decreasing my payment and term. The process was complete and funded as well as my prior loan paid off in 2 weeks! I will def recommend your services to others and use you in the future. Thanks again!
Derek from Lafayette, IN
Reviewed in October 2021
Closed with Lender:
Yes
Loan Type:
Auto Refinance
Review Type:
Lender Review
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(5 of 5)stars
Recommended
Awesome experience
The process was easy and everyone was very helpful in every step of the process. I would recommend this company to anyone looking for a great refinance option.
James from Menifee, CA
Reviewed in September 2021
Closed with Lender:
Yes
Loan Type:
Auto Refinance
Review Type:
Lender Review
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(5 of 5)stars
Recommended
Fast and great communication
Entire process was very simple and fast. From start to finish there was great communication. Would recommend to anyone looking to refinance.
Jan from Louisville, KY
Reviewed in August 2021
Closed with Lender:
Yes
Loan Type:
Auto Loan
Review Type:
Lender Review
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(1 of 5)stars
Slow process
Applied for a lease buyout car loan through Lending Tree and I immediately received phone call after phone. I was at work and had over 20 phone calls in 12 hours. Once I spoke with someone, I figured once I applied and was approved I would have loan taken care of immediately. I applied, approved, and selected a lender. I didn't hear back from the loan officer, called and left him a message and no return phone call. I had to call multiple people before I received a call back. By the end of the next week I finally received the closing documents and sent them back immediately. I was surprised and disappointed that it took 3 weeks from the day I applied for the loan until my lease was closed out.
Chris from Oregon, OH
Reviewed in August 2021
Closed with Lender:
Yes
Loan Type:
Auto Loan
Review Type:
Lender Review
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(1 of 5)stars
Disaster
I chose this company because of the 2.95% pre approved rate. I agreed to the hard credit pull because of it. When they actually made the offer it was 3.55%. I decided to go with it because I didn’t want any more hard credit pulls. The rest was a disaster. I signed and returned my paperwork notarized the next day after I received it. Then they call me and say they forgot to add sales tax or something that I have to sign a new paper. Then day after day I keep calling them to tell them that their electronic signature was not working. This went on for two weeks. Then the guy calls back and tells me we have to restart the paperwork because it expired. Not once did I receive an apology from these people for the disaster then kept happening. Very disappointed and would not recommend them to anyone.
Selma from Kingman, AZ
Reviewed in August 2021
Closed with Lender:
Yes
Loan Type:
Auto Loan
Review Type:
Lender Review
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(5 of 5)stars
Recommended
Exceeds Expectations!
Very simple process, amazing customer service with loan reps that will text you and respond all day. With my hectic work schedule texting made this process so much easier. Will definitely recommend and use in the future
Ashley from Portland, OR
Reviewed in July 2021
Closed with Lender:
Yes
Loan Type:
Auto Refinance
Review Type:
Lender Review
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(5 of 5)stars
Recommended
Very helpful
Davis was very prompt & helpful in finding a lender to refinance my vehicle. Would definitely recommend. I did minimal work which is a plus.
Ebony from Columbus, OH
Reviewed in June 2021
Closed with Lender:
Yes
Loan Type:
Auto Refinance
Review Type:
Lender Review
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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.
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