I purchased a 2005 Nissan Xterra a few years back and because of my husband's lack of credit and my meager income we got slammed with an interest rate of 17.9%. My company currently works with RateGenius on a regular basis, so I thought I would submit an application for refinance based on my knowledge of all the people they help every day. I recieved a call back the same day, and since I was now working (and not interning) they were able to offer me a rate of 4.75% saving me around 5000 in interest over the life of the loan! It dropped my payment from $370 per month to $277 (and that included GAP insurance)! They were extremely polite to boot. They overnighted me the refinance packet and flagged everything I needed to read over and sign making the process super easy, and included a prepaid envelope to send it back! I am eternally grateful for the service they provided! And it didn't cost me a dollar!