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.

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.

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.

These reviews are totally wrong.  They never tried to sell me anything.  My FICO is 681 and they got me down from 12.5 to 6.7 %.   

I called the number that Google gave me and was answered by a nice lady. I gave her some personal  and car info regarding my status. My credit is Fair according to CreditKarma and was approved for a car loan where my payment went Down from $747.02 to $659.78. I was Like WOW!  Thanks RateGenius and Pronto Credit.

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 was approved the same day the loan funded a week later, got the papers by email so it was fast. Cut my interest by 2/3rds, they were nice, didn't have any problems.

I have used RateGenius twice for loan refinancing. I am in the market for another vehicle and will use tthem again. Friendly and helpful. They got my refi interest rates down a lot. Almost in half! Highly recommended. For those who complain about credit inquiries... How do you expect them to get you approved without running your credit through banks or credit unions??? Seems like a silly complaint from some of you.

We were in need of a Lease Buyout Auto Loan for our ending Honda lease. We were able to complete the entire process in just a few days, and it was a pleasent transaction. Lulu was personable, attentive to our concerns, and professional. I was a bit skeptical due to some of the ratings I had read online, but truthfully our experience was far from the negative reviews some have posted. I kept in mind that people are less likely to write about a good experience vs a poor one. I would recomment rategenius to a friend as well as use them again. Thanks you, Lula at Rategenius.