Every other company denied me but I was able to get a low interest rate loan for a used vehicle through a fairly simple process. Very friendly staff.
Credit Karma had recommended that I refinance my auto loan and provided some lender options. I picked RateGenius based on their reviews and I could NOT be happier! The process was fast, easy, and the customer service was outstanding. My rep, Jake, was extremely professional but personal at the same time, as if I had a friend walking me through the process. They take care of practically everything for you, and best of all they saved me over $125/month! I would highly recommend and will definitely use them again in the future.
My FICO credit score is > 740 and I have a 6 figures income. Applied for a small 14k loan, they asked for too many documents, too many calls back and forward with nonsense questions, they even asked for tax returns even though I am NOT self employed. I was approved but it wasn't smooth as promised, I am a home owner and getting a mortgage earlier this year was a lot easier. At the end got a much better rate and instant approval somewhere else.
I had two different loan specialist take all my private information promising to lower my interest and loan payment. then both never called me back. When I finally do reach someone different he tells me I don't qualify. This whole process wasted a two weeks of my time.
I am coming out of a divorce..my credit score was 600 TU and 685 Equifax. I just started my job after being a stay at home mom for 16 yrs. I applied, prequalified for rate between 2.9 and 12. They required NO documentation. I found my car..played with the numbers. Went to dealership, was super nervous....just too easy and to get approved upto 32k with not great credit. The dealership was great, ran the credit app through Cap one... my deal was exact same as on my letter.. no docs requested. Same terms, ect..left with a 2014 with 25k miles. I am a happy customer! I do have a small line credit card with capital one I have had for a long time in which I always pay on time. I highly recommend them for anyone with my credit situation.
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