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
1043 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Showing 3 star reviews | Show all reviews

Took too Long!

Overall a good experience. My service agent (Adrian R) did a good job. Underwriting was slow and required a second review process by the lender. The whole process took over 1 month to close, which added stress and inconvenience to me, despite me informing Rate Genius that I need to close by 8/30, my loan closed late 9/15.

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Loan
  • Review Type:

    Lender Review

Lease buyout

As I understand it, lease buyouts are a bit tricky. That being said, the process went okay. I think the person assisting me was a bit inexperienced because I had to go back and forth repeatedly with documents. The big picture wasn’t ever explained to me so there were several gaps of non communication that left me in the dark about loan status. I think the rate was competitive but next time I will just go locally to a bank.

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Refinance
  • Review Type:

    Lender Review

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
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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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