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
1027 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

They know how to get things done!

Terrific response time, communication, and rate! Josh was so easy to work with. I needed to do a lease buyout fast and rateGenius made it happen. The other lenders I spoke to had competitive rates but didn't seem to understand the process as well as Josh and his team.

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Loan
  • Review Type:

    Lender Review

Super easy and efficient process

Shahid did a fantastic job! Super easy, fast, and efficient process. He got me a great rate buying out my lease and did exactly what he said he would do during the entire process. I plan on reaching back out to him in about 18 months to have him work out the financing of my next off lease buyout. Would highly recommend him and RateGenius.

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Refinance
  • Review Type:

    Lender Review

No Fast Lane

I was expecting a more streamlined experience. It certainly wasn’t sign and drive.
Expect to update a large amount of data uploading - some seemingly not really relevant. Expect to have to find a notary when documents arrive. Don’t expect a “Fast Lane” because of great credit or big Down payment.
My assigned Customer Service lady was awesome - she cared and did a great job helping me through. Even went above and beyond and called my insurance carrier for the necessary documents.
I feel like their tech is way behind and process slow. Could certainly use a freshening up - but ultimately; I got a great rate and low payment.
I give the process a 4. Customer Service a 9.

  • 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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