Their loan guy was pushy didn't like I was going to shop around and told him I accepted loan else where.  He told me the other companies were the real people who were ripping people off (people like capital one, etc).  Then today get email saying they declined my loan due to credit and that it may not have been my credit that affected the decision but that they couldn't find me a better rate than I had.  That's BS ... they did offer a better rate but I chose not to go with them and declined due to the unfavorable reviews I found on them.

They were too busy trying to get me to go with rategenius after I did and everything was processed they never followed up or anything after that. I had to call them everytime! No thank you for your business or anything. I would never reccommend this company to anyone.

Don't waste your time applying for a refinance loan with Rate (No genius). The woman taking the application was rude and abnoxious, promised to call with a decision, never happened. Sent an email saying "denied' never gave any explanation, even though I was prequalified for a loan from a nationwide credit union.  Emailed them back for an explanation, they never replied.  In my opionion, they are an unprofessional and uncredible establishment.  There appears to be a number of complaints about them.....Credit Karma should do its clients a favor and dump them from their list.

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!

-Ashley H.

 I spoke to Fred and all sounded fine over the phone, I signed my paper work. Took it to UPS and mailed it with a Next Day UPS tag. My package some how got loss at Rate Genius. I gues there are no Geniuses there. They wasted my time and took away my trust. If you cant process overnite forms, Its a blessing and a warning NOT to do business. I was almost late for the 1st time messing with this business that smells like a scam .

I recently applied and was accepted within 24 hrs.  The ONLY insurance they tried to sell me was the gap insurance due to the high price of the vehicle.  All the paperwork was done through ups and my rate was MUCH lower than my existing rate.   My note dropped $140.00/mo!!!!  I am Very satisfied.

I applied for auto refinance loan at Rate Genius. They seemed more interested in selling me auto insurance. They did not notify me of their decision regarding my application- I was able to go to their site and find that my loan had be denied (which is fine) but there was no specific reason for the denial. I sent the company a email through their web site requesting the specific reason for the denial-I did not get a response. It seemed to me they really wanted to sell insurance rather than make an auto loan. 

After paying off 2 vehicle loans over 4 years at 22% with excellent payment history, I purchased a new vehicle in 2-2012 and recieved a rate of 14.73 from the dealers lender(RoadLoans). On 1-2013 I purchased a second vehicle for my wife, and although I had a year of perfect payments I get stuck with a rate of 18.24 from the dealers lender (Regional Acceptance).  In June I used Lending tree to get the first vehicle refinanced and one of the options was my current lender at a higher rate. Anthony at Rate Genius called me with a rate of 8.99 and  after reviewing my credit report saw the second vehicle that I had just 5 months and was sure he could get me the same rate for that vehicle as well, and he did. I had the paperwork by the end of the day, after reviewing it I signed and over-nighted the contract back to them. They funded the loans in three day, and I have an extra $180 a month in my pocket. My score was 600 at the time. Needless to say I will never use a dealer lender again.

I refinanced through rate genius and I am very pleased with them. I was paying 17.5% interest and $442 per month on my car loan. I was able to get it dropped to 6.2% and now pay $312 per month. I would highly recommend them to anyone shopping around to refinance. 

Was thrilled to get a loan refinanced and drop by 4% points over the course of the loan.  My loan specialist was friendly and located in my city so I was able to go to the office and review the paperwork in person.  They saved me time and money.  They followed up on my questions regarding additional payments and I was happy with the process.