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RateGenius Review

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Reviews 3,957

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Michael Graw
Michael Graw
May. 26, 20214 min read

RateGenius summary

RateGenius makes it easy to refinance an existing auto loan and lower your monthly payments. You get access to a nationwide marketplace of lenders with APRs as low as 1.99%. The downside is that RateGenius requires a hard credit check.

Pros

  • Rates as low as 1.99% APR
  • Nationwide lender network
  • Low minimum credit score

Cons

  • Requires a hard credit check
  • Loans start at $10,000
  • Limitations on what vehicles qualify
RateGenius at a glance
4.8

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

5.0

Loan Types

Offers most loan types

5.0

Repayment Flexibility

Offers flexible repayment plans & the option for special repayment programs

5.0

Eligibility (credit score)

Doesn't cover bad credit

4.0

RateGenius RateGenius View Rates

Overview

RateGenius is a nationwide marketplace for refinancing your existing auto loan. The company accepts anyone with a credit score of 550 or above and you can be pre-approved for a loan within minutes of applying online. Individuals with good credit scores (above 720) can be offered interest rates as low as 1.99%. RateGenius conducts a hard credit check, so it’s only suitable for serious refinancing inquiries.

Suitable for?

RateGenius helps you lower your monthly auto loan payments by refinancing at a lower interest rate. The company reserves its most favorable interest rates for borrowers with excellent credit. In addition, since RateGenius conducts a hard credit check, you should only use this marketplace if you are serious about refinancing your auto loan.

RateGenius Features

Austin, Texas-based RateGenius was founded in 1999 to help customers refinance their auto loans. The company has a nationwide marketplace of more than 150 direct lenders. RateGenius also offers gap waivers and service contracts when you refinance.

Application Process

You can apply to refinance your existing auto loan through RateGenius online or over the phone. It typically only takes a few minutes to fill out the application with information about your current loan and your vehicle.

RateGenius then conducts a hard credit check and searches for pre-approved offers from lenders in its network. Note that a hard credit check can affect your credit score, so you should only submit an application if you are seriously interested in refinancing your auto loan.

Once you’re pre-approved for a loan, RateGenius will get in touch by phone or email. This typically takes less than 48 hours.

Your new loan documents will be available for signing online through the company’s secure portal, or you can request to receive a physical copy in the mail to sign and return. RateGenius then helps you through the process of paying off your old loan and transitioning you to your new lender, which can take up to a few days.

It’s important to note that RateGenius does have some limitations on who can qualify for a refinanced auto loan. You must have a credit score of 550 or greater, and your vehicle must be under seven years old and have fewer than 100,000 miles.

Loan Types and Terms

RateGenius isn’t a direct lender, but rather a marketplace. So, the terms of your auto loan will depend on the network partner you’re matched with. All loan offers from RateGenius are pre-approved and the company will help you fill out your prospective lender’s required paperwork. Interest rates and loan terms vary based on your credit score, loan amount, and the specific lender you are matched with. Note that you must refinance at least $10,000 with RateGenius (refinancing is available up to $100,000).

  • Interest rates as low as 1.99% APR available
  • Loan terms vary, up to 84 months
  • Minimum loan size is $10,000
  • All loan offers are pre-approved
  • RateGenius will help you fill out paperwork

How Safe is RateGenius?

RateGenius has been around for over 20 years and is generally considered a safe option for loan refinancing. RateGenius has completed more than 378,000 auto loans over its history and claims that it saves borrowers an average of $83 every month on their payments.

The company has an A-rating with the Better Business Bureau and an average 4.5-star rating over more than 2,700 Google reviews. RateGenius benefits when you’re happy with your refinanced loan, so your interests and the company’s are aligned.

RateGenius keeps all of your personal information private and doesn’t share it with lenders who don’t make an offer on your loan application. You can opt to sign loan documents through the company’s secure online portal or send physical documents back and forth using UPS.

Repayment Options

Repayment plans are negotiated with your direct lender, not with RateGenius. Most loans require a monthly payment for between 36 and 84 months. There is never a prepayment penalty for auto loans refinanced through RateGenius.

Help & Support

RateGenius customer support is available by phone, email, or live chat during weekday business hours (US Central Time). The company’s support agents are extremely helpful if you are having trouble finding information for a loan application or need a hand filling out your prospective lender’s paperwork.

Phone: 866-728-3436

Email: hello@rategenius.com

Physical address

RateGenius, Inc.

9300 United Drive, Ste 180

Austin, Texas 78758

Summary

RateGenius is a trustworthy auto loan refinancing marketplace where you can instantly get offers from a nationwide network of more than 150 lenders. This company is particularly attractive because it offers competitive interest rates as low as 1.99%. RateGenius also stands out for its customer service—support agents walk you through the transition to a new lender rather than leaving you to fend for yourself. The only downside to RateGenius is that it requires a hard credit check, but this shouldn’t be a problem if you’re serious about refinancing your existing loan.

RateGenius RateGenius View Rates

To compare more financial products and read more guides and reviews, visit BestMoney

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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  • author
    lorraine martinez
    Jan 01, 1970
    Easy Peasy

    Pretty easy and simple to get things done.

    ...

  • author
    Aaron Bornstein
    Jan 01, 1970
    Just a big thank you

    Just a big thank you. Yes you have to find a few documents, but you are guided throughout the process. I’m very pleased with the outcome and appreciate the guidance.

    ...

  • author
    Cesar Hernandez
    Sep 23, 2022
    AWESOME COMMUNICATION

    From start to end everything was great! They made the process very easy, and I was connected to a great lender within a couple of days. Within a week, my loan was secured, and couldn't be happier with the result. The staff was very friendly, helpful in understanding the process, and made it a seamless process.I gave this company 5 stars because they very professional and they made sure I got the right financial company I needed to suit my refinancing needs. I really appreciate Rategenius for their complete accuracy as I switched from my old high interest rate company to a lower interest rate company that they recommended I try. Thanks so much Rategenius,I couldn’t have done it without you!!!

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  • author
    shannon schultheis
    Sep 23, 2022
    Refinance

    I had a great experience. Rate Genius found me a great rate. It was a smooth easy process

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  • author
    customer
    Sep 21, 2022
    Im very pleased with how quick and…

    Im very pleased with how quick and efficient they are. Easiest experience Ive had doing a loan

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  • author
    Megan Trombley
    Sep 21, 2022
    Great Experience

    Easy to work with. Got a better rate and lower payment on my car. I will use them again in the future.

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  • author
    Josh Wheeler
    Sep 21, 2022
    Great company to work with!

    From start to end everything was great! They made the process very easy, and I was connected to a great lender within a couple of days. Within a week, my loan was secured, and couldn't be happier with the result. The staff was very friendly, helpful in understanding the process, and made it a seamless process.

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  • author
    Sarah McNair
    Sep 20, 2022
    Appreciated the transparency

    Made refinancing my vehicle easy and went over all my options and was always honest with me about what could happen and what might not happen. Appreciated this greatly.

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  • author
    J'lynn McNeil
    Sep 20, 2022
    Ann was amazing every step of the way

    Ann was amazing every step of the way! She always kept me informed on what was happening through the entire process.

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  • author
    Imani Brimah
    Sep 20, 2022
    Exceptional

    Exceptional! James worked fast and was great

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  • author
    Robby Worthington
    Sep 19, 2022
    AARON AND THE RATE GENIUS TEAM Made it…

    AARON AND THE RATE GENIUS TEAM Made it real easy. Told me what he needed and kept me posted on the process. Great experience!

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  • author
    Scott Rustulka
    Sep 14, 2022
    Pick Rategenius for your lending needs!

    Gary and the Rategenius team was very thorough and guided me through the process sooooo easily. Loved the service!

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  • author
    Travis Cummings
    Sep 09, 2022
    Just wasn’t pleased with the overall…

    Just wasn’t pleased with the overall experience. A lot of miss communication. A slow process. Went from owing $21,000 on car. To now owing over $25,000.

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  • author
    John Bellaud
    Sep 08, 2022
    Auto Refi, Great Experience

    I recently refinanced my auto loan and worked with Ann at RateGenius. She was high touch and made the process easy. Got my initial rate way down and got an additional discount for auto pay. Overall great experience.

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  • author
    dalston
    Sep 03, 2022
    Best experience ever

    Best experience ever. Thank you guys for your service.

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  • author
    Marlanea Guillen
    Sep 02, 2022
    Rate genius got me such a better deal…

    Rate genius got me such a better deal with half the interest I was paying my representative Ed Kain was amazing he walked me thru every step of the way and had answered all my questions I definitely will recommend your company going forward thanks again

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  • author
    Shelia Williams
    Sep 01, 2022
    I gave this company 5 stars, I wish I could give them 10 stars.

    I gave this company 5 stars because they very professional and they made sure I got the right financial company I needed to suit my refinancing needs. I really appreciate Rategenius for their complete accuracy as I switched from my old high interest rate company to a lower interest rate company that they recommended I try. Thanks so much Rategenius,I couldn’t have done it without you!!!

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  • author
    Anonymous
    Sep 01, 2022
    Reduced my rate by more than by half!

    Reduced my rate by more than half! Easy to work with and overall pleasant experience. Super quick turn around time, also!

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  • author
    Fedwa Kakar
    Sep 01, 2022
    My agent Ann was great

    My agent Ann was great! Very polite, informative, responsive and knowledgeable. The experience was great throughout the whole process and she made it easy! Felt very comfortable and I trusted Ann throughout the process.

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  • author
    Kevin Kelly
    Aug 31, 2022
    Great experience

    Great experience. My loan advisor was knowledgeable and helpful throughout the process. I highly recommend them.

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  • author
    Liz
    Aug 31, 2022
    Everything Made Easy!

    Very easy process in refinancing a car! Staff was friendly and made everything go smooth! Brad was a wonderful agent! Thanks a million!

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  • author
    Jay o
    Aug 30, 2022
    Awesome service

    Awesome service. Ask for Dillon Edmiston agent. Kind, polite, informative, provides great assistance along your way to reaching your goal.

    ...

  • author
    Rhonda Wright
    Aug 29, 2022
    Love them!

    Love them!! I'm so happy I chose Rate Genius

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  • author
    Rick
    Aug 26, 2022
    Need to refinance your Auto Loan?

    Need to refinance your Auto Loan? You have to try RateGenius! I highly recommend Rate Genius! Easy to apply online with great results! And of course don’t forget to Unlock your credit report before applying. Everything is handled online with secure connections! You will be glad you chose RateGenius!

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  • author
    Emily
    Aug 26, 2022
    Very easy and stress free process

    Very easy and stress free process. The representative was knowledgeable and always available to answer my questions. Highly recommend!

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  • author
    Viviane Robertson
    Aug 25, 2022
    Painfree transition

    Thank you Cynthia Washington, for making the refinancing of my vehicle such a smooth transition. Friendly, helpful, patient and efficient are the words that come to mind.

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  • author
    Chris Carpenter
    Aug 24, 2022
    I'm a little on the fence at the…

    I'm a little on the fence at the moment. Sure, my car payment went down, but I had no idea changing finance companies would negatively impact my credit score.

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  • author
    Jojo
    Aug 24, 2022
    Working with Rategenius was truly the easiest refi ever!

    Working with Rategenius was truly the easiest, fastest, and least expensive refi experience I have ever had. Austin and Meiby were very responsive and explained everything I wanted to know. Austin went over all of my options in 1 phone call and, between work and college, I don’t have tons of time. Best experience ever…and I’m very picky! I’m so happy I chose Rategenius…5 stars for sure!

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  • author
    Melissa Woods
    Aug 22, 2022
    I would like to thank Ann McKinley with…

    I would like to thank Ann McKinley with this entire process. She made it so easy, was kind, and answered all my questions fast and efficiently.

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  • author
    April B.
    Aug 22, 2022
    HUGE shout out to Tim Elliot with Rate…

    HUGE shout out to Tim Elliot with Rate Genius…He was very helpful, very available whenever I had questions, he was always kind, thorough with explaining the process and had everything done in less than 2 weeks! Because of him, we are currently working on refinancing our 2nd vehicle! 100% recommended. Sending Tim’s info to my daughter and Son-N-Law for their refinance! Great company, very pleased! 👍🏼👍🏼👍🏼👍🏼👍🏼

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  • author
    Stacey Ellis
    Aug 20, 2022
    I want to specifically commend Kiki…

    I want to specifically commend Kiki Fortunate Nkulu! He was courteous, knowledgeable, professional and honest. Kiki promptly addressed my questions and concerns and was easily accessible. It’s refreshing to deal with a representative who genuinely had the consumers best interest in mind instead of just trying to push a product. I would definitely use rategenius again.

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  • author
    Ita
    Aug 19, 2022
    So after receiving an approval sending…

    So after receiving an approval sending and signing documents, I was then informed that my refinance actually was denied I am pretty disappointed after going back and forth with documents paying for the service the communication was poor and wish I was informed before continuing with the process ! Ann McKinley was nice but wish there was better communication!

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  • author
    Forrest Wonderly
    Aug 19, 2022
    Excellent customer service from…

    Excellent customer service from beginning to end

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  • author
    Jordan Williams
    Aug 19, 2022
    Helpful, fast, and effective

    Applied for refinance through my credit score app, and they immediately got my rate down from 7.9% to 4.9% on my vehicle. Easy, and the whole process was finished within days of applying.

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  • author
    Patricia Walsh
    Aug 19, 2022
    A+ for Rate Genius!

    Gary made this the absolute best experience I have ever had trying to refinance a car or home. I would definitely recommend your company. Very professional and fast. Thank you for a wonderful experience. Patricia walsh

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  • author
    Darrell Molinari
    Aug 18, 2022
    This has been the best experience for…

    This has been the best experience for financing to date. Ann has been so helpful and so accommodating, I couldn’t get better service anywhere. Highly recommend RateGenius for anyone.

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  • author
    Corey Brown
    Aug 17, 2022
    Great professional service with Mr. Greg Hale

    I had a Great experience with Rate Genius. Mr. Greg Hale was very professional and answered every question and crossed every T and dotted every i. Mr. Greg Hale made the process very quick and fast. Would definitely recommend you all from the great service I received. And thank you Mr. Hale

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  • author
    Jill Webb
    Aug 17, 2022
    What an easy process and the customer…

    What an easy process and the customer service was amazing!!! Thank you Skylar for all your hard work!!!!!

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  • author
    Jon Thoma
    Aug 16, 2022
    I wouldn't even give them a one but I…

    I wouldn't even give them a one but I had to to write a review. I didn't even finish an application nor did I give approval to run my credit and they sold me off to a bank that ran too hard inquiries that will now remain on my credit for 2 years this is terrible and I'm going to be filing everything possible against them

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  • author
    Patrice Hudson
    Aug 15, 2022
    Ann McKinley was very helpful

    Ann McKinley was very helpful. Very patient RateGenius is a great place to refinance. Thank you Ann McKenzie for all your help. Appreciate everything you did in the process of refinancing. Thank you.

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  • author
    Brook Fisher
    Aug 11, 2022
    Jon did an outstanding job explaining…

    Jon did an outstanding job explaining everything .The whole process was very smooth and easy .

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  • author
    James foltz
    Aug 11, 2022
    Anne did a great job in helping me with…

    Anne did a great job in helping me with my loan, she explained everything thoroughly.

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  • author
    Kimberly smith
    Aug 10, 2022
    Best experience I've had in a very long…

    Best experience I've had in a very long time. From start to finish the process was flawless. Vincente Smith was very helpful and friendly. Highly recommend RateGenius.

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  • author
    Trenton Alvarado
    Aug 10, 2022
    Fast and informative

    Extremely happy I went with rate genius, Ann McKinley made the process seamless. Great communication throughout ordeal . She found a lender whom would work with me and she got my monthly payment down $100.00 from what I was currently paying. Explained process thoroughly while getting the ball rolling in a speedy manner . Would have been completed within a day or two had I not dragged my feet on my end of things. Luckily Ann was patient with me and we got it completed. Great experience, thanks to Ann and rate genius extensive network .

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  • author
    Robert Bristow
    Aug 10, 2022
    The best of them all

    Ann McKinley made everything so easy. She was with me step by step through this process. I told a couple of my coworkers about this company. You guys are top notch thank you for everything!!!

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  • author
    Claudia Candele
    Aug 06, 2022
    Very professional and efficient people

    Very professional and efficient people! I recommend it 100% They help me too lower my rate from 5.45% for 64 months, to 2.74% for 48 months. Thank you Aaron for your help!

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  • author
    Brian Chaney
    Aug 05, 2022
    It’s a review not a presentation, I don’t do titles

    At first I was worried because I never heard of this company. I get spammed a lot, everyone does thanks to democrats. My interest rate was astounding 18% and I knew I had to do something. I contacted my credit union and they wanted all this bs because I own my own business and I couldn’t provide it, so I checked these people out again to make sure. I couldn’t find anything bad and the reviews were good so I thought we’ll ok maybe they’re legit. Got a call back and they was very nice and friendly and spoke English without a durka accent which made me feel good and she said my rate would be 5% instead of 18. Wish I could have done it sooner but my credit was still weak but now all good. They found a credit union and I didn’t even ask and as you know, credit unions are cheaper. They have a way to search very quick the best rate using probably thousands of lenders

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  • author
    Jerrod Clanton
    Aug 05, 2022
    They were very professional and quick…

    They were very professional and quick with helping to refinance my auto loan

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  • author
    Tami Lynn Pelzel
    Aug 04, 2022
    RateGenius

    This company was hands down the absolute best when it came to answering all of our questions and/or assisting us with refinancing. They are very attentive to what our needs are as well as helping us through every step! Ann was our agent and she was phenominal!!phenomenal!!! She deserves all 10's

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  • author
    Leah Roll
    Aug 04, 2022
    Awesome Company!

    RateGenius is a wonderful company to go through to refinance my vehicle! Ann was my agent and she was so incredibly helpful in answering all of my questions! She helped me through every step of the way and was very knowledgeable!

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  • author
    Kelly Cain
    Aug 02, 2022
    Very helpful and friendly

    Very helpful and friendly. Answering all my questions. Fast service.

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  • author
    Daryll Gallego
    Aug 02, 2022
    I highly recommend

    I highly recommend, Rategenius on dealing with your car refinancing concerns their customer service was really exceptional.

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  • author
    Deanna Turner
    Aug 02, 2022
    Tim and Trish were awesome to work…

    Tim and Trish were awesome to work with. They were both very professional and helpful. The process was super easy and they were able to give me a much better interest rate!

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  • author
    Sir Swagg SwaggBows
    Aug 01, 2022
    Robert was amazing!

    Robert was amazing!! He helped me every step of the way

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  • author
    Anne Kinney
    Jul 30, 2022
    Easy to do

    Easy to do. Vincent kept me updated and made everything pretty seamless

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  • author
    Brandon Rairie
    Jul 28, 2022
    Great experience painless and super…

    Great experience painless and super informative and helpful.

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  • author
    Barrington King
    Jul 28, 2022
    Smooth and Easy Process

    My experience with Rate Genius was nice and easy. Everything was properly communicated to me and being able to track the process on the website was wonderful! Ed Kain was very helpful throughout the entire process.

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  • author
    Victoria B
    Jul 27, 2022
    Stress Free…

    This process was called extremely stress free on refinancing my car my previous interest rate was super high. They not only gave best customer service but got me an awesome finance rate if I could give a 1000 stars I would.( Edward Kain) loan officer is awesome!!!

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  • author
    Joshua Walls
    Jul 27, 2022
    Ann McKinley Delivers Exemplary Service!

    Ann is extremely knowledgeable and guided me throughout this process with impeccable service and meticulous attention to detail. Great experience! Great service!

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  • author
    Michelle Spearman
    Jul 27, 2022
    Vincente took very good care of me

    Vincente took very good care of me. He went above and beyond to get me right. Thank you for your service. Will recommend to others.

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  • author
    customer
    Jul 26, 2022
    Easy to use and that got me a great…

    Easy to use and that got me a great rate fast.

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  • author
    Randy
    Jul 25, 2022
    Very good experience… fast results…

    Very good experience… fast results thank you Anne for your services

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  • author
    Linda Quintanilla
    Jul 23, 2022
    I highly highly recommend rate genius

    I highly highly recommend rate genius! I refinanced my vehicle from a 10% to a 4.9%!!!!! That is crazy. More than half the percentage . Kiki and Jeremy were great. Kiki made sure I was always aware of where we were in the process. They made it so easy and accessible to achieve. I am so happy 😁

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  • author
    Kevin Clancy
    Jul 21, 2022
    Miss Ann was so helpful

    Miss Ann was so helpful. Easy process highly recommend them.

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  • author
    Elizabeth Fraley
    Jul 21, 2022
    This was the easiest thing I have ever…

    This was the easiest thing I have ever done. My rep was very polite and made sure understood everything. Thank you for making it easy. I would highly recommend this place for all your refinancing needs.

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  • author
    Geist Johnson
    Jul 20, 2022
    Great customer service

    Great customer service, it took than less than 2 weeks to refinance my vehicle and got an excellent rate and now saving $200 on my payment..

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  • author
    venkata hemanth
    Jul 19, 2022
    Really nice experience

    Really nice experience. Got loan approved in 4 days . Nice team

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  • author
    Rizz Beerholder
    Jul 18, 2022
    Was Good, Until it Wasn’t

    Well, I was going to use this company for a refinance on my vehicle. I provided all of the necessary information and things were rolling. I was informed I was approved and some of the terms were explained to me. This is where the situation soured. The lady assisting me tried to force Gap and and a Service Contract into my loan. I say force because I respectfully declined these items because they are of no benefit to me. What is owed on my car is under the value of this vehicle, which negates the need for Gap as there is no “Gap” to insure. I complete all of my own maintenance and repairs, so I do not need a service contract. I explained these things several times but was sent many texts, emails and calls telling my why I should not decline the coverages. At this point I am not going to explain my reasons for declining this items a fourth, fifth, or sixth time. I cannot do business with a company I feel is using pressure tactics to sell add-ons. -Robert

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  • author
    Ricardo Martinez
    Jul 18, 2022
    Best finance experience

    Ann was awesome and helped me get the loan I wanted

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  • author
    LARITA MONAGAN
    Jul 14, 2022
    She was extremely patient, thorough, and informative!!!

    She was extremely informative, patient and knowledgeable!!!

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  • author
    Courtney
    Jul 13, 2022
    Ann was amazing at guiding me step by…

    Ann was amazing at guiding me step by step until we were done! Thank you so much!

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  • author
    Diomary Rondon
    Jul 13, 2022
    I worked with Brad he was awesome…

    I worked with Brad he was awesome walked me through the process all the way I love them

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  • author
    Flathead Sound
    Jul 13, 2022
    Ann was especially helpful in making…

    Ann was especially helpful in making sure I got everything squared away for my auto refinance. 5 stars all the way.

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  • author
    Ulrick Desir
    Jul 13, 2022
    Ann McKinley

    Ann McKinley She very patient even when the bank didn’t approve my application she kept trying until she finally find an approval for me. She so professional even when I find a local bank approved my loan with a lower rate. I still wait for her patiently. Thanks Ann

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  • author
    barbara bryant
    Jul 13, 2022
    A new beginning …

    I had a wonderful experience everything was done in a timely matter of time and my agent kept me updated and explained the next steps and I am a member of a credit union now that is awesome

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  • author
    Sheila Key
    Jul 13, 2022
    Ann McKinley was my loan officer on my…

    Ann McKinley was my loan officer on my car refinance. She is professional and knowledgeable. I enjoyed working with her. I would definitely recommend her to others and would call her again for my own loans. Thanks so much Ann.

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  • author
    customer
    Jul 13, 2022
    It doesn't take a genius to know…

    It doesn't take a genius to know Rategenius rocks!

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  • author
    Mr. Charles
    Jul 13, 2022
    Tifah was great

    Tifah was great! She made the process run smoothly for me. I really appreciate the service I got being in the same field of customer service. That's a skill that doesn't go unnoticed. Thanx again Tifah!

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  • author
    C. Duncan
    Jul 12, 2022
    Thank You RATEGENIUS!

    The entire process was incredibly simple. They instructed me every step of the way what how and when to do everything Oma my loan officer was very professional and thorough and was most helpful

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  • author
    Deandre Brownell
    Jul 10, 2022
    Ericka the agent i had was great and…

    Ericka the agent i had was great and really puts her all into her work to make her customers happy. You will not be let down if you get her as an agent.

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  • author
    Derrick Ballard
    Jul 08, 2022
    My experience with Rategenius " AWESOME "

    My experience with Rategenius was very good. They didn't hesitate when it came to my refinance. I would recommend them with out hesitation. Thank you all for taking care of my situation.

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  • author
    Cameron Miller
    Jul 08, 2022
    Chad was amazing

    Chad was amazing! Even helped me refinance 2 loans in under a week! Very pleased with rate genius

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  • author
    Anna Shaffer
    Jul 07, 2022
    Excellent Service

    I am not a great writer, however this is the best experience I have ever had in auto refinancing. Tyler was so helpful and patient, he is the true meaning of great customer service and just over all very very helpful. The process was very easy and convenient. I will recommend to anyone that is ready to refinance. Great job Tyler! Thank you Rate Genius!

    ...

  • author
    AdamB
    Jul 07, 2022
    Service with Anne was excellent

    Service with Anne was excellent. Very helpful even when UPS lost my documents, she managed to have rate genius exert influence on UPS to find the package.

    ...

  • author
    Dedra Callins
    Jul 02, 2022
    Very friendly and efficient

    Very friendly and efficient. Ann made process very easy and fast.

    ...

  • author
    Mark
    Jul 02, 2022
    Pleasure to work with

    Sara who worked with me was on top of everything needed. She was very pleasant to work with and the entire process was very easy.

    ...

  • author
    Ebony Hayes
    Jun 29, 2022
    Ann with Rate genius

    Ann with Rate genius, took such good care of me during my refinance process. Everything was fast and she just had superior service.

    ...

  • author
    Angela Farsee
    Jun 29, 2022
    My refinance was so easy and painless……

    My refinance was so easy and painless… I was shocked at how smoothly it went… Thanks Rate genius

    ...

  • author
    Rosalinda Casias
    Jun 28, 2022
    Thank you Rate Genius

    Rate Genius helped me refinance my vehicle. Shrutika Pandey was professional and a kind person. She tested me like a human being not just another client. This was my first time refinancing a vehicle. Thank you Rate Genius

    ...

  • author
    Brianne Espineli
    Jun 24, 2022
    Refinance Made Easy!

    The process to refinance my car was made easy by Wilfred. I actually tried to refinance about 7 months ago with no success. I reached out to Wilfred for help 7 months later and was completely satisfied! He was transparent and realistic about my options to refinance. He kept me updated and was in constant contact with me about things I needed to do on my end as far as providing documents. He even called to congratulate me on being approved!

    ...

  • author
    Herrold
    Jun 24, 2022
    Wilfred Ivan loan officer- …

    Wilfred Ivan loan officer- very efficient and helpful in changing out my car loan. Thank you.

    ...

  • author
    Susette Stubbs
    Jun 23, 2022
    RateGenius is amazing

    RateGenius is amazing, they made everything so simple, worked with me every step of they way; highly recommend these guys

    ...

  • author
    Norman Dixon
    Jun 23, 2022
    Jorge Reyes is the best in the…

    Jorge Reyes is the best in the building. Great rates! Everything was easy to use (texting with your representative is awesome) I really enjoyed my experience and my new auto loan.

    ...

  • author
    Tonya Barton
    Jun 19, 2022
    Rategenius helped me out very well

    Rategenius helped me out very well! The service was fast and Oma did a excellent job getting everything done that I needed he answered all of my questions and got my loan approved.. Thank you guys so much for working with me I greatly appreciate it...

    ...

  • author
    Andrew
    Jun 18, 2022
    Rate genius is great

    Rate genius is great. Keith was awesome and made sure all of my questions were answered and made sure I understood and was informed of every step as it was happening. Made my monthly car payment significantly cheaper. Definitely satisfied

    ...

  • author
    Shannon Miller
    Jun 18, 2022
    Do not use Cody with rate genius.I…

    Do not use Cody with rate genius.I cannot access my account with velocity nor did he provide my insurance I have with State Farm. Velocity is threatening to force insurance coverage when State Farm provided proof of insurance. This is the worst experience with a car loan I have ever had.Cody increased my loan by$2k. Don't use him or rate genius ever...crooks.

    ...

  • author
    Kelli Nostressandsingle Adams
    Jun 18, 2022
    Thank you so much Rate Genius this was…

    Thank you so much Rate Genius this was very time refinancing my vehicle I didn't have to do much..

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  • author
    Dwayne Brady
    Jun 17, 2022
    Very competitive rates

    Very competitive rates, easy to use (texting with your representative is awesome) easy to load documents up too

    ...

  • author
    James
    Jun 16, 2022
    Awesome experience

    This was a great way to refinance my car loan they made it very easy and Leah done a awesome job!!!

    ...

  • author
    Job Consul
    Jun 16, 2022
    Phatifah Brown was my Loan Specialist:

    Phatifah Brown was my Loan Specialist: She was very Informative, helpful and Patience with me on my first time experience with RateGenius. I was at first spectacle on this company until Phatifah explained every detail That I needed to know about the Company and what they do. And I took a chance on them and Trusted their System, I am now Satisfied with my new APR on my Loan. Thanks RateGenius!

    ...

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