Great experience with these guys! Cut my interest rate in half. It was quick and easy and they were so nice to work with!
Overall lender rating
Most helpful positive review
Most helpful negative review
If I could give a negative star, I would. I started the refinancing process with RateGenius on 2/9. Everything was going very smoothly at first. The communication with Matt Fisher was ok. I got them everything they asked for and was told after I signed my contract that it was being sent for funding. A few weeks later (1.5 months after I started this process, I get a text from Matt saying I have to re-sign all of my documents because they put the incorrect VIN# on my contract. By this time, they had already called my insurance company and updated the lien holder to who my new lien holder was going to be. I have now had to pay twice to get my contract notarized. I was told 2 different times that it was getting ready for funding and that I should call my current lien holder and have them send me a refund for my GAP insurance. 2 weeks later, I still had heard anything additional from Matt. I called, text and emailed him. Finally he emails me last week, 2.5 months after I started this, and said that now, the new lien holder is requesting additional things, which I am assuming is because it's been like 2 months since this whole thing had started. Since this time, I had changed jobs and moved to another state. So, my employer had changed, my address had changed, the mileage on my car was more than when I started because I moved 12 hours away. So all of these things changed for me in the last month. When Matt responded, he said they had a list of items they have been waiting for from me and that his assistant should have asked me for items needed. Um, what assistant? I had not heard anything from ANY other person other than Matt Fisher. Then he proceeds to tell me that I can just cancel my application if I wanted to. ARE YOU SERIOUS??? When I started this process, I was told it would be easy and quick and should be completed within a month. I was approved with a payment that was $200 less than what I was paying because I had been working hard on my credit. I had another company I was going to go with, but Matt got my payment $15 less than what they could offer. So, I took a chance on RateGenius. This has literally been the most frustrating, unorganized, and disappointing process I have ever been through. There was nothing easy about this for me. Now I am back at square one and going with the company I was originally going to go with. Again, this was my experience. I wish I had as great of an experience as these other people had, but unfortunately, I was given Matt Fisher who didn't care enough to do his job to the best of his ability.
All member reviews (4970)
Advertised the lowest rate. Then said we have no idea what was offered on credit karma. I applied for three year thirty 36. After 6 days they returned with a rate of 12.5 at 72 months. Absolutely ridiculous. Run and run fast
Easy Process, and good customer service
Worst experience ever. I have had nothing but total frustration from this company. Would never even consider them for a loan of any kind.
Patrick was awesome he walked me through every step and made sure I got the best deal nice job
Stayed in contact, helped me get all the information I needed, very helpful and understood my work schedule
Easy. Fast. Great service.
Even though I wasn't really able to get a much better deal, the rep was great to work with
Absolutely best experience. I worked with Kyle, and he answered any question I had even if I asked the same thing ten times. I would recommend them to anyone and everyone.
Everything was fine except for the individual tasked with handling my refinance. He persisted to need to consistently call and walk through each step of the process when I was perfectly capable of filling out my personal information on my own. Constantly needing additional documents, I’m not sure why they don’t just send a list of what they need right off the bat.
Very helpful and hands on
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