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4.8 out of 5 stars
135 Reviews

From Borrowers in the last year


Application Process

4.5 out of 5 stars

Customer Service

4.5 out of 5 stars

5 5

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Most Helpful Positive Review

Nov 03, 2016
Amazing - Don't listen to bad reviews
Shay1044 Borrower

I found out about RateGenius through Credit Karma. I was going through my credit report and saw that I could refinance my car loan and RateGenius had the lowest interest rate. I had clicked on the RateGenius link and saw they were mostly rated 4 out of 5 stars. I read a lot of the reviews and was pleased so I proceeded to move forward and filled out my application. Of course after I submitted it, I decided to read some of the 1 and 2 star reviews (I realize I probably should have done that sooner). As I'm reading the reviews about the extra charges, numerous hard hits on your credit score and the terrible customer service, I started to panic and was instantly regretting my decision. However at this time it was too late, I already applied so it is what it is.

Let me tell you that my experience with RateGenius was amazing and I had absolutely 0 complaints. To address some of the negative reviews that were given I'd like to point things out from my experience. Yes I did receive, emails, texts and phone calls from RateGenius but they weren't annoying (at least not to me). They text and emailed me informing me they received my application and it's being processed and I would receive a call. The only time I was notified by them was when a new step in the process was completed or if additional information was needed. I liked that because I knew exactly where my application was. The hard hits on my credit score are typical when you are refinancing something. I found it didn't even affect my score at all. Because of all the negative reviews, I found myself asking a ton of questions and carefully reviewing the paperwork when I received it. All of my questions were answered and they truly did what they said they were going to do. Some people complained about a membership fee. The membership fee is not RateGenius' fault. It depends on the lender that is willing to give you the loan. I had a one-time membership fee of $15 and the person I spoke with from RateGenius informed me ahead of time this was going to happen. He walked me through all of the paperwork and whenever I called, he was available to answer my questions. He never pushed anything extra on me and I appreciated that. There were people who complained about RateGenius not finding them a good lender and that they didn't understand because they had amazing credit. It's not just the credit score that matters, you also have to look at your debt to income ratio. If you're way over 32%, chances are you aren't going to get as low of a rate as you hoped. Just and FYI to everyone out there complaining about that.

I would definitely use RateGenius again and would refer them to all of my friends and family.

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Most Helpful Negative Review

Jun 07, 2016
Anonymous Borrower

They have hidden fees. They lied to me and now I'm paying for it. My mistake?

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These reviews were written by current and former borrowers in the last year.

Jan 17, 2017
I highly recommend rateGenius to anyone!
HankWalker Borrower

Seeking a lower interest rate my contact with rateGenius began after filling out an auto refinance application through Lending Tree.  The next business day I had received several emails showing various interest rates up to a point lower than my current rate.  Also that morning I received a call from Oma a rateGenius Loan Officer.  I was on the phone and his call went to voice mail.  He actually left me a message stating that he felt certain he could get me a rate at less than half my current rate.  First of all, I was impressed he left a message.  All the others who called hung up without leaving a message.  I get a lot of unwanted calls and always let my calls go to voice mail if I don't recognize the number.  Secondly it seemed hard to believe he could actually quote me a rate so low.  However, he sounded sincere so I called him back.  I am so grateful I made that call.  Every conversation I had with Oma was a pleasure.  He needed additional information from me to present to a source that he again asserted that I had a very good chance of getting a rate at less than half.  I'll have to admit the process kept me pretty busy for the next few hours, but it all went very smoothly.  Within 24 hours after my first contact with Oma my notarized document package was on its way at no cost to me.  He received the package the next day, I was approved by the creditor 2 days later, and my refinance was funded in another 3 business days.  My only cost was to my state for the title transfer.  RateGenius added $100 to my payoff figure as a cushion in case of any delay in processing my payoff.  That amount was added to my loan amount, and it was expected that my former finance company would reimburse me.  I received the $100 refund exactly one month later.  The payoff went through so quickly my refund even included a couple extra dollars for excess interest paid.  As promised my first payment for my new loan was not due till over a month after the payoff was funded.  I highly recommend rateGenius to anyone seeking a refinance and wants to work with very professional and honest people!  By the way, the refinance saved me almost $1,000 in future interest payments.

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Jan 15, 2017
Car loan through Rate Genius

Ryan was very responsive and gave excellent customer service. I will definitely recommend to my friends and family

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Jan 14, 2017
Great overall service
Aubrey8381 Borrower

They helped save me money every month and cut 2 months off the loan! I am so pleased with the service I have received.

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Jan 14, 2017
Simple procedure to refinance
Gkr7777 Borrower

Saved me a considerable amount of money...

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Jan 13, 2017
everything went smooth and very satisfie
tbrad58 Borrower

It was an easy process

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Jan 13, 2017
Anonymous Borrower

I went from $610 to $485 a month.

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