I saved over $6000 in interest!
I refinanced my car through rate genius and saved over $6k in interest. If you are considering using rate genius, some things you should now:
Rate Genius is a third party that uses their connections to find a bank/credit union that will refinance your car with a lower interest rate. Rate Genius does not refinance the car themselves.
When you refinance your loan, do not go with the higher term (60 months). My original loan had 46 months left on it and originally they tried to refinance me for 60 months, which would have resulted in me being upside down on my car loan. Choose your new terms as close to the original term as possible (my new term is 48 months) You can always ask your loan officer for a shorter term.
When you refinance, you don't have to pay a car note for a whole month! I refinanced at the end of September and my first payment due will be in November.
XAP truly the best
There’s a popular saying which says “gratitude is an application for more”. I’m here to appreciate XAP Credit Solution for the great job they did to my family. I had a bad credit score with a lot of repos, collections, eviction and charge offs that brought my score so low and deprived me of getting a home and almost lost my car. After I read about them I quickly contacted XAP all he promised to do, he did and raised my score to 789 in less than 7days and a week after was able to apply for a home loan which was granted and the auto company never called anymore. If you got similar need do well to write via X A P C R E D I T S O L U T I O N @G M A I L . C O M
Best rate. Lackluster service.
I had a pretty good experience overall with Rate Genius for the most part. Sometimes my loan officer was hard to get ahold of. I was an easy case and when I would call to move forward with the next step I wouldn't get a call back if I left a voicemail, or I had to wait on hold for a long time. I stuck with it because the interest rates they were offering me were phenomenally better than anything else I had found. After my loan was secured and everything transfered over, they emailed me EVERY DAY for a week asking for a review. So here is your review. I probably would have given them 5 stars despite being hard to get a hold of, but spamming my inbox is not a way to win me over after you blew me off during the process.
Ragnarok99, thank you for your feedback. We're pleased to hear you were able to save money with RateGenius, but we're disappointed that you had trouble getting in touch with our team during the refinance process. We are aware of certain opportunities for improvement within our follow-up processes and responsiveness, and we are actively working on ways to improve both our organizational and technological infrastructure to better fit our customer's needs.
We understand how this can be frustrating, and we sincerely apologize for any stress, confusion, or inconvenience. Thank you again for your feedback and we hope to have the opportunity to work with you again in the future.
Found me the best deal possible!
They found me the best deal possible. These guys are great!
We’re pleased to hear you had a great experience with RateGenius, Fieryturtle31! Make sure you tell your friends and family about it. Our referral program is simple and easy – you’ll both get $50 when they fund with us. We hope to serve you again in the future! https://www.rategenius.com/referrals/
Simple easy and great customer service.
Nothing to lose
The87jackal, thanks for taking the time to post a review! We strive to provide great service, and we are always excited to see our customers share their positive experiences. If you have any friends or family who might like to refinance their vehicles, be sure to send them our way! If they fund, you’ll both receive $50. You can learn more here: https://www.rategenius.com/referrals/
More difficult than it should have been.
I think this was more stressful, than my home loan. Seemed to have to jump through way too many hoops. Granted I was in the middle of a move, to a new home, so that didn't help. Had to sign papers twice, that had to be notarized, as a result, as the loan officers wanted my new address, and proof of residency, for a house I hadn't even been in, for a month, at that point. After all of that, the credit union that handled the loan, sent everything to my old address, and had to do a change of address, with them, anyway.
Logainofhades, thank you for your feedback. Because we always strive to provide our customers with excellent service and communication, we are disappointed to hear that your experience with us was anything less than perfect. Our process should be quick, easy, and straightforward, and clearly here that was not the case.
We sincerely apologize for any inconvenience, stress, or confusion. We will use this feedback internally to identify opportunities for improvement within our process. We enjoyed working with you and we hope to have the opportunity to do so again in the future.
Excellent Repair
kmax cybe rservices at gmil dot com really help my life last month, he did a wonderful job on my credit score.
Okay loan, poor customer service
Poor customer service. Tried repeatedly to add on some ‘insurance’ without letting me read any of the details. Also did not provide me with account number/ login details so I can start making payments towards my new loan. Still waiting to hear back.
Hi Screennameasdf - thank you for your feedback. We're disappointed to hear your experience with RateGenius did not meet your expectations. For more information about payments, due dates and your balance, you'll need to contact your new lender directly.
If you have any additional questions or concerns, you can reach out to us again at pr@rategenius.com and we'd be happy to help! We enjoyed working with you and we hope to have the opportunity to do so again in the future.
Did heavy lifting to find better rate!
I had a great customer service experience with the happy folks at Rate Genius. They're HQ is in Austin, TX so that makes sense! Great new rate and terms, and speed to close was surprisingly fast. Thanks so much!! Saving $50/mo in interest!
We’re pleased to hear you had a great experience with RateGenius, Joshg3! Make sure you tell your friends and family about it. Our referral program is simple and easy – you’ll both get $50 when they fund with us. We hope to serve you again in the future! https://www.rategenius.com/referrals/
Awesome service and processing
The most smooth and painless process for a loan I ever experienced
Rickb66, thanks for taking the time to post a review! We strive to provide great service, and we are always excited to see our customers share their positive experiences. If you have any friends or family who might like to refinance their vehicles, be sure to send them our way! If they fund, you’ll both receive $50. You can learn more here: https://www.rategenius.com/referrals/
Not on top of the process.
They try to lie even after I said I am a loan person myself.
Jdalday, thank you for your review. Because we always strive to provide our customers with excellent service and communication, we are disappointed to hear that your experience with us was anything less than perfect. We'd like to hear more about what happened so that we may work to resolve this for you and identify opportunities for improvement. Please email us at pr@rategenius.com and provide us with your app ID and additional information about the incident. Thank you again for your feedback. We hope to hear from you and we hope to work with you again in the future.