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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So the new bank that rate genius recommend is so antiquated they can't take your payment online. Only via a wire transfer or over the phone, both of which cost me extra money every time I make a payment. I would not have chosed this bank had this been disclosed to me upfront. I should have known better than to use an online service like this for my financial needs.