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
1017 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Showing 1 star reviews | Show all reviews

Awe full

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.

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Refinance
  • Review Type:

    Lender Review

This company is a joke!

Stay away from this company. Incompetency at its finest. Please look for another means to acquire financing.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Refinance
  • Review Type:

    Lender Review

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!

  • LendingTree Customer:

    Yes
  • 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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