RateGenius Reviews

Lied to my face and told me several times that the refinance wouldn't have fees, lied to my face again in the final documents, providing a false total amount financed, which was reneged later in the same document, hidden in fine print such that docusign would conveniently skip over it. Very dishonest businessmen, avoid AT ALL COSTS.

Performed not one but TWO hard inquiries when I was told there would be ZERO. Used a made up credit score that I've never heard of when my credit score through all three bureaus was higher. Gave me false hope when they LIED and said I was approved in email and text and then told me they could not get me approved on the phone.

I started the online process to Refi my auto loan and did not finish the application, however, their website somehow ran a hard hit to my credit report without authorization. When I questioned this they claimed they didn’t know how it happened. I filed a dispute with Equifax and want it removed from my credit report.

I had the pleasure of Garrett refinancing my auto loan. He helped me every step of the process and was always positive and patient with me even when I was nervous. Garrett provided me with all paperwork in a timely manner and remained patient even when I was nervous about notary due to my finances being late. He even recommended different places that could assist with notary. He ensured me we had time and it all worked out. You can’t buy that type of professionalism and reassuring. Garrett is the consummate professional and it was an honor to work with him. He has helped me save money and provided his information at work so I can always keep in touch if I had follow up questions. He is a great person and asset to his company

I talked to a guy over the phone and he was great the whole time. Every question that I had, he had honestly great thorough question for it. So it was pretty well.

Responded online to a letter received. I was contacted by Solomon **. I sent documents requested. I signed documents online. Everything was fast, smooth and easy. In less than a week, it was funded.

The RateGenius gentleman I had was fantastic. He knew exactly what was needed, and I met him where I work in the field through, so I get where he's coming from. He answered any questions I had. Any time I texted him, he’d reply within 24 hours, or usually, a lot sooner than that. He was always on top of it. The closing took a little bit longer than I expected, but I wasn't giving it a huge push until towards the end. It took about three weeks, but most of the problem was with the secretary of state. The application was very easy. I had everything up there within a day or two.

My representative Darius ** was always available, always kept moving things along, and was a huge help during the refinancing process. This wouldn’t have been possible without his diligence. I’d definitely recommend this service to anyone looking to refinance their car loan.

Great to work with. Hassle free from A to Z. By far the easiest refinancing I was able to find. I tried with my bank and others with no luck and just so happened to come across this on Credit karma and decided to give it a try.

I worked with a gentleman by the name Darius. He stayed in touch and was there to answer any questions through the process. I am completely satisfied and recommend using them if you're looking to refinance a vehicle. This is a go to place that search for a lender that will meet your priorities, rates, time period and payment amount.

Quick and easy to get in contact as well as to find a new load. Patrick ** was incredibly helpful and answered all questions that I’d had. Will definitely come back if I need any more finance help. Amazing and fast. Would 100% recommend to others.

Patrick was excellent in providing help and answering all my questions while refinancing my truck. He was very knowledgeable in the process and what we would have to do to complete the process. The whole process was very quick also.

Easy process. Just a few days and some great help. Micheal was very helpful to get process completed. Had no issues and got a better deal. The guidance was great. Very little effort on my part. Thanks for the help.

Brian completely changed my mind about rate genius. I was previously dealing with loan officers who weren’t detail oriented and proving false information, but Brian was completely helpful and closed this sooner that I would have expected to be done.

Brandon was amazing in helping me refinance my car. He was very professional, thorough in explaining everything I needed to do, helpful with any questions I had, and responded to my messages very quickly! I have never done this before and he made the process super quick and easy for me. I highly recommend him!

Garrett ** was super helpful in my financing process! He was professional, prompt and made my experience go so smooth and stress free! I was able to find the cheapest interest rate available without the stress of speaking to multiple people and doing the work. He’s the best!

The gentleman I worked with was open to what I was looking for and kept me informed throughout the process. He explained each offer to me and went over any questions that I had. The forms required were easy to complete and submit back. I was walked through the forms and what was needed.

Scott was very helpful and saved me money. I recommend! I was a but hesitant at first but he helped me with every step along the way and answered any questions I had. I definitely do recommend them! The whole process took a few days!

Loan officer was expedient, knowledgeable and easy to contact when needed. The entire process flowed quickly and the online notary service made the process even easier. I would recommend this service to anyone wanting to refinance a loan. You will not be disappointed.

Were great to work with, very friendly, went through every step with me. My loan specialist was top notch, excellent customer service and very friendly, made it a very easy process, was always there if I had a question and always got back to me

Scott was very helpful and saved me money. I recommend! I was a bit hesitant at first but he helped me with every step along the way and answered any questions I had. I definitely do recommend them! The whole process took a few days!

It was great working with Garrett. He was very helpful, extremely informative and always kept me in the loop as to what the next steps were going to be and the actual time limit of the process. I will use you guys again just based solely on my experience with and would recommend any family and or friends to this service, thank you again

Corey made the the transition smooth when it seemed it was going to take a longer time…kept on reassuring me everything will work out and he kept in contact with daily updates. And he let me know as soon aS I was approved!

Lynn ** was super great! Helped with everything I needed and some of it was difficult but he hung there with me all the way, great service and listened to what I wanted. Would definitely do it again if I needed to.

I can’t say enough about how well my refinance went. Brandon ** was exceptional and kept me informed every step of the way. Highly recommend. Brandon gets 10 stars! I would recommend this company to anyone looking to refinance. I started the process on a Monday and two weeks later my previous lender was paid in full.

Explained information and options with thorough detail. Was able to do call backs as needed with my schedule that didn't require going through a bunch of automated prompts. Quick turnaround on paperwork. Able to get interest and payments down without extra hassle per unnecessary information given. Would recommend to friends.

My experience was a little spotty. The initial guy was pretty good but he was off for a few days and had a secondary step in his place. That's when a lot of the misinformation started. I kept getting them the information they wanted but they kept wanting to change the information facts that they wanted. At one point, they even told me that I didn't send them what they requested even though I verified everything step by step with their emails. They even misquoted the rate they initially promised. I was infuriated with them until they were able to put me with the lender I needed to deal with.

The rep was knowledgeable about everything. However, he was trying to push his own extended car warranty on to me and I didn't want it and he wouldn't stop. But the application process went very well. They could make the process even better by making sure they ask for all the information they're gonna need. 'Cause I had to follow up two times to give them more information. But everything else was fine.

Customer service was good and my rep was very pleasant. He was very clear with everything. Everything was done in less than two weeks. The rate and terms were good.

RateGenius was the second number I called when I started that journey. They were the ones who initially got me approved but not for the rate that I wanted. So, I stuck it out a few more months, called RateGenius back. But once everything was finished, it got iffy. Everything got finalized at the end of December. The rep sent me a message, “Your first payment will be due February 1st.” Turned out it was January 2nd, a few days after it was refinanced. And I was over 17 days late on my first payment because there was a miscommunication. So, the wording of when my car would actually be due was not correct. And even if it was on his end, he wrote 23-1-2. So, it is correct for the way that he wrote it, but at the same time, it was a few days after the car was officially refinanced. And it was very confusing for someone who has dyslexia. That is something that needs to be worked on if that's a way in their company to spell out the month.

The guy I worked with during the application was absolutely great. Our communication was good. He made it very convenient for me to understand the process and why everybody else is reaching out to me. He kept informing me on what was needed and what wasn't. But I uploaded all the information and some other people in the office didn't get it. That created a problem. Other than that, I got a lower payment arrangement and I'm not paying so much high interest. Working with RateGenius gives peace of mind.

The communication was not good. I was told that it would just be really simple. I'd have to do one thing and they would take care of everything else. But it turned into three trips to the UPS store and printing off all these things. Also, nobody would get back to me for days at a time, so if I wanted any update, I had to reach out. Then, they would say they need to have certain papers filled out but I only had received the papers two days before and I hadn't had them for the week they think I had had them for.

Everybody has been very nice. The gentleman who helped me through the process was so helpful. He was there for me every second of the day. I've never had anybody that confident and nice, but not smarmy. He was so professional and he had a sense of humor. Working with RateGenius is going to be easy and painless.

I had a good experience with them. They got me a lower rate than what I had. The guy that I talked to was also really nice.

Ann ** was who I had the pleasure of working with on my car loan refinance! She was wonderful and super helpful and very communicative and on top of things! I recommend her to anyone and I recommend RateGenius highly! I was skeptical at first but it ended up being a great choice and I’m now paying $100 less a month on my car! Thanks everyone!

I had a very great experience with them. I spoke with somebody and she helped me through over a two-day span to make sure all the paperwork went through. Everything worked out very well. Rates were better than what I had.

The application process was pretty easy. It took about 10 business days. The gentleman that I dealt with seemed knowledgeable and made the process easy.

Talking with the rep was fairly easy. A couple of times, I got asked for information and I provided it multiple times. Other than that, it was fairly simple. With the online portal, submitting the documents was very straightforward. There were a couple of times where I was told the link was available to upload documents but it wasn't yet. There would be days where I have a very busy day for one reason or another so I wouldn't be able to complete whatever it was that needed to be done that day. But Rate Genius was fairly straightforward, very simple and communicative. If I ever had any issues, it was usually quickly resolved. I would use Rate Genius again. It is what I expected. There was a 50 bucks processing fee, which is not bad.

RateGenius seem to fit my needs best. Signing up was fairly easy. They were pretty quick. The process was expedited.

My experience with RateGenius went pretty smoothly. The only thing I noticed was that they were rushing me, and it was their end of quarter. I realized it's all about their goals and not mine. Other than that, the sign-up process seemed pretty simple. I got documents I signed and I sent to them via UPS. They sent me a label. I had to go to the UPS store to drop it off, though. I'm just glad it got done really quickly.