RateGenius Reviews

4.8 out of 5 stars
444 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

Jul 25, 2018
Quick, easy and awesome rate!
ashleyf1028 Borrower

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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Most Helpful Negative Review

Jun 27, 2018
A bit cumbersome but worked out
paradigmwg Borrower

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.

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

Dec 11, 2018
Sergio was very helpful.
RSOhio Borrower

Fight for the lowest interest. Ask any questions because they will answer them. 

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Dec 09, 2018
Fast. friendly.
maebel62 Borrower

Communication all the way. Servic was fast and they cut my current car laon rate in half savving me over $100 a month and thousands in the long run!

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Dec 08, 2018
Refinancing of Car loan
478147 Borrower

They helped me find an incredibly lower interrest rate . Communication was easy and fast.

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Dec 07, 2018
Auto refinance

It was good to get a good rate but the communication was terrible. 

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Dec 06, 2018
Great in the long run
efwheeler Borrower

Had hoped to cut my monthly payment, but after the rep explained with the purpose was and saving on interest is better, I accepted the offer. My interest was drop and my monthly payments did go down a bit. Paperwork process was quick and hassle free. 

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Dec 06, 2018

I was surprised how fast things went. It took a while on my end to get the needed paperwork, but the staff we so patient and helpful. 

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Dec 06, 2018
Great way to save money
ranhallmi Borrower

Excellent experience and customer service

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