This was SUCH an easy process from start to finish. It only took about one day to apply, have my loan approved, and begin sending in the required info. Once my loan was approved, they e-mailed and sent physical documents for me to fill out within 2 days. I sent them back and that was the most work I had to do throughout the whole process. When I originally purchased my vehicle, I had a lower credit score (in the upper 500's) and had an interest rate of almost 13% (I know, awful). So I got my credit back up (I was around 730's when I applied with RateGenius) and was approved for just under 4% interest with a local credit union. I will save thousands with this new loan. Great service and would 100% recommend going through RateGenius!
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As someone involved in consumer lending for 30+ years, I found the process to be understandable but somewhat cumbersome and slow. Had I been a typical customer with minimal background? I'm not sure it would have been a great experience. The consumer loan underwriter(?) was excellent but was hampered a bit by a system that seemed to have regular glitches (Example: Received multiple emails at the same time after applying with responses ranging from "loan is in process" to "loan is approved" to "loan is already funded" --- and keep in mind, this was before having signed anything). On receiving the paperwork, found that the rate offer required auto-debit .... not a huge deal but would've been nice to know before receiving the contracts to sign. And, once returned, things went silent .... had no idea when/if the existing loan was being paid off ..... a quick text to the underwriter resolved the question but still required follow up on my part.
In the end, I'll end up saving about $600 from the original term so the minor aggravation was worth it.