NMLS# 1003417

4.5 of 5stars972 Reviews

rateGenius

  • Recommended Lender
    Recommended 91%
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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
972 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Showing 3 star reviews | Show all reviews

Not great!

Very dragged out long process! Bad communication! Probably the worst refinance I’ve ever done. It did get completed . But not in a timely manner. Very inconvenient.

Thank you for your feedback. Because we always strive to provide our customers with excellent service and communication, we are disappointed to hear that your experience with us was anything less than perfect. We are aware of certain opportunities for improvement within our follow-up processes and responsiveness, and we are actively working on ways to improve both our organizational and technological infrastructure to better fit our customer's needs. Furthermore, our process should be quick and easy, and clearly here that was not the case. We'll research this internally to identify what went wrong so that we don't repeat this again. We understand how this can be frustrating, and we sincerely apologize for any stress, confusion, or inconvenience. Thank you again for your feedback and we hope to have the opportunity to work with you again in the future.
  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Refinance
  • Review Type:

    Lender Review

Ok, but sure did not meet the ratings

Took a significant amount of time and then the loan was for more than my payoff amount because it took so long to process. I hate being told by people when I am not pleased that their reviews are great. Kind of a lousy customer service response. They did get me a good rate though.

Hi there, thank you for your review. Though we're glad to hear that we were able to get you a better rate and find you savings, we are disappointed to hear that your overall experience with us didn't meet your expectations. We strive to provide our customers with excellent service and communication, and clearly here that was not the case. The process should be quick and easy, and it appears that there were some snags during your particular refinance. Additionally, we agree that responding to a customer's woes with "we have great reviews" isn't really addressing the issue. We understand your frustrations, and we sincerely apologize for any inconvenience, stress, or confusion that we may have caused. We'll relay this feedback to our customer service team and to our loan officer managers to ensure that we make the necessary adjustments to our process in order to better serve our customers. Thank you again for your feedback, and we hope to have another opportunity to serve you again in the future.
  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Refinance
  • Review Type:

    Lender Review

Fast, simple, but stand your ground

The process was fast and simple. I did have to deny their first offer that had a higher interest rate than what I wanted. They did find me a lower rate. I just wish they would find the lowest interest rate without me having to ask. So remember to always demand better terms than the initial offer.

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Refinance
  • 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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