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.
Took them two months to close kept asking for paperwork I already sent. Failed to set up auto payments and did not send proper paperwork to close out existing lease causing me to have to make a payment to the old company and new bank in the same month.
Kevin from Brewster, NY
Reviewed in March 2022
Closed with Lender:
Yes
Loan Type:
Auto Refinance
Review Type:
Lender Review
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(1 of 5)stars
This company is a joke!
Stay away from this company. Incompetency at its finest. Please look for another means to acquire financing.
Tony from Broken Arrow, OK
Reviewed in March 2022
LendingTree Customer:
Yes
Loan Type:
Auto Refinance
Review Type:
Lender Review
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(1 of 5)stars
Worst service I've ever used
RateGenius is simply the worst service provider I have ever interacted with. The entire purpose of their service is to streamline the loan discovery and application process, simplify and manage your lease buyout, etc. Their involvement only makes the process 10 times more arduous, difficult, and lengthy. From lost documents, contracts sent to incorrect addresses, horrendous customer service where my loan officer/his manager won't return my calls to it all culminating in the loss of my vehicle title (misplaced by someone in their office), this process has been an absolute mess start to still not finished. At this point, I am over 9 months into the process of buying out my vehicle and my bank STILL has not received my vehicle's title (now needing a duplicate title processed). All told, I am thousands of dollars in the hole thanks to RateGenius, loan officer Josh, and his manager Bilal. Do NOT engage with this fraudulent organization!
Michael from Wyckoff, NJ
Reviewed in December 2021
LendingTree Customer:
Yes
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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(1 of 5)stars
Horrible experience
I called to check on what I thought was a pre-approved offer. It was not. They did not have the information I had already entered on the LendingTree website. After 30 minutes of going over the information, they said it would take a week to get an answer. I just cancelled the application. What a waste of time.
Jim from Pittsburgh, PA
Reviewed in June 2021
LendingTree Customer:
Yes
Loan Type:
Auto Loan
Review Type:
Lender Review
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(1 of 5)stars
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.
Rick from Clovis, CA
Reviewed in February 2021
Closed with Lender:
Yes
Loan Type:
Auto Loan
Review Type:
Lender Review
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(1 of 5)stars
Sadly, not a decent first impression.
I called and explained that I had a LendingTree match for an auto refi. The person who took my call didn't seem to care at all, not really trying to help me out. Perhaps he was having a rough day.
Julee from Sanford, NC
Reviewed in June 2020
LendingTree Customer:
Yes
Loan Type:
Auto Refinance
Review Type:
Lender Review
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(1 of 5)stars
Complete mess plus a little bait and switch
I thought I was just about done with my loan with rateGenius and the whole process has become a complete mess. Requests for the same documents multiple times, this version you sent isn’t good enough, “we need a live signature for this. Sorry we forgot to tell you “ The nightmare doesn’t end. On my way out now to get second set of POAs because they didn’t like the first set. Everything in the middle of a pandemic. Also need to mention that even though they had the best rate it was.75% higher than the quote from lending tree because “we don’t offer that rate on that type of loan”. Just a little Bait and switch.
Michael from South Amboy, NJ
Reviewed in May 2020
LendingTree Customer:
Yes
Loan Type:
Auto Refinance
Review Type:
Lender Review
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(1 of 5)stars
Misleading and not honest
They wasted my time and gathered all my financial information only to quote a sky high 7% over 72 months. I rejected their loan and agent hangs up. Sour grapes if you ask me.
Michael from Merced, CA
Reviewed in May 2020
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.
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 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 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.
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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