rateGenius

It was an ok experience at best.

They gave me good rates and a good monthly payment, but the customer service is horrible!! I've tried numerous times to get a hold of my loan officer and he never answers his phone and he never returns calls. The customer service at this company is the worst imaginable.

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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.

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Slow and poor customer focus

I expected to be done in a day or two. It took weeks to complete my loans. Also I kept getting people who were confused, people who not respond for days, the numbers were good for the loan but everything else was the worst loan experience in over 30 years for me.

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Hard Pass

Process was not well handled. Seems like lending officer and the person who confirms what documents needed do not communicate because I had to send in things in multiple times. When I finally thought it was completed weeks later..I noticed my payoff check was not showing it received. Reached out and they said they were missing a page and resent it to them. Then today was told something else is missing to be resent. I made my first payment already for this loan and it’s still not 100% done so I would never recommend using them.

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Bad Experience

Loan representatives presented agreed upon terms, then paperwork got lost in the "print queue". Weeks went by and then we had to restarted even though I kept inquiring and no one was taking notice. I finally was able to close but had to make 2 payments, have my credit run twice, plus had to make a down payment. I do not recommend!!

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Bait and switch

The numbers over the the phone not the same in the paper work. Hidden costs watch out! They string you along on your loan.

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Not flexible

Beware this company is not flexible and only works with plthe kind of people who have never struggled. We sold our house this year and used the equity to pay off a TON of debt which boosted out credit the best its ever been, so we figured we would give them a try to refinance our cars since we have amazing credit. But they denied the application without an explaination, so I called their number to see why and the rep I spoke with explained they dont work with people "like me". I guess even with great credit, a high income and a good history for the past few years I am just riffraff to them because of a bankruptcy on my record many years ago when I was young. She said they dont even attempt to work with people like me. I teared up as we parted ways on the call because I feel like I was treated like garbage, like I am not good enough to be associated with because of a past mistake. I spent years working hard, fixing up my credit, making good payments and moving up in the world to be treated like so poorly. Waste of my time and ding on my credit for even attempting. Dont bother with this company.

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