RateGenius Provides a Full-service Car Refinance and Re-Titling Platform with Options

Got a letter in the mail saying I was pre-approved for refinancing. Would be $180 less a month than my current loan. Submitted my info online and they come back and said I would have to put a down payment of $5,990!!! who has that kind of money just laying around, I know I don't! NO THANK YOU I WILL KEEP MY CURRENT LOAN! Also yes I know just because you're "pre-approved" doesn't mean you will be approved but $5,990 that's RIDICULOUS

just now NEW Was told via text message on monday that my app was approved and to call my loan specialist kaitlyn mcgree. Now today is Wednesday and my loan specialist has not return any of my 4 messages or 3 text messages. I will be using a different platform for my refinance thanks for the hard inquiry for nothing!

It was smooth process. Easy to understand. Good rate for my auto loan needs. The agent Joseph Hernandez was extremely professional and patient in explaining details and every step. One thing that I did not like so much that they only provided me offer from one single lender and there were no options to choose from. But I am fully satisfied with what service I got from rate genius.

I’m only giving them 1 star because 0 is not an option. We recently sent in all of our information to this lender and we’re all set up to refinance our truck. After everything was sent, we received no more information about our vehicle. Dennis Ortiz did all of our paperwork, and we never heard from him again. Over a month of trying to get ahold of him, or anymore and no one returned our calls. Absolutely the WORST customer service and company I have ever dealt with. If you’re looking for a place with no help, no way to get in contact with anyone, and a complete waste of your time, this is the place. If you’re trying to save money… I would look elsewhere.

My agent was very knowledgeable, straight forward, and answered all my questions. He also found the rate and auto warranty I was looking for and cutting my rate almost in half with refinancing my auto loan.

I liked the way Ann helped me through this process and I would recommend that anyone with Not so good credit give it a try.I was very happy with my experience.

These folks work hard and fast to make things happen!

Christine with rate genius was very informative and worked quickly to get my car refinanced!

Great service from start to finish! Tim was great! Thank you!

Tim was awesome. Very responsive & communicated every step. My experience w/ the entire process was great.

Simply put Ann made the process as simple as it could get. Thought it would be a pain but they give you every step laid out in an easy to understand way. No hidden anything. 10/10

This was an amazing experience for me! I was helped by Ann who always answered my calls when I had questions and helped me through every step of this process! Definitely worth it to refinance with rate genius!

I was helped by a lady name Christine, she was super helpful and very friendly throughout the process. I work five days a week and unfortunately it made the whole process more difficult and take longer Then normal. Christine continued to work with me and try to make the process as easy as she could and after about a month we got it all figured out and I’m saving a good amount of money compared to what I was paying before

My whole experience was made simple by my loan specialist, Shrutika Pandey. I didn’t feel rushed or pressured at all and we ended up securing a loan to refinance my vehicle. I would recommend Rategenius.com to anyone.

Friendly service, easy to complete. Communication was good from beginning to end.

I was incredibly pleased with the customer service provided to me throughout my refinancing. Ann Mckinnley was patient, kind, resourceful, and knowledgeable in her field. I would highly recommend this company and Ann for assistance with refinancing. Thank you!

My experience was excellent. I dealt with Leah Baize. She provided an amazing customer experience by being thorough, patient, and impeccable follow up and follow through. I have already recommended to 2 friends so far.

My experience was mostly pleasant. My representative talked me through the steps and kept me up-to-date on how the process was going and what I needed to do. I'd give 5 stars but having to go get some papers notarized and send them out was a slight inconvenience.

Horrible experience that I hope you can I one else has to go through. Took months, yes months, I was lied to repeatedly, had to send documents multiple times and was told I would be reimbursed for the multiple notary fees but never was. Took so long that I was charged a late fee by my previous bank and no manager had ever responded to my requests. Just was a horrible expensive experience. Oh and my new payment is more than I was told and I was forced to make a payment *early* instead of a 2 month grace period as I was told. RUN AWAY!

The person that helped us was kind, helpful. Lorrie Homan

Handle my refinance quick and easy. I felt like I was informed in great detail of the whole process before proceeding with documentation.

Just completely refinance on my 2017 Santa Fe. They made the process very easy, anything I had is sent out had prepaid postage along with it. Although you do pay a decent chunk of change to complete the whole process. In the end, my payments are lower and that's all I really care about.

I had such a quick and easy experience! Thank you Ann for assisting me!

I had a little more of difficult Refinance due to my own circumstances. And they were taken in stride and worked around excellently.

The process was easy and personalized. They assign you a point person which is super helpful. My loan process was managed by Christine Santisteban. She was very helpful and responsive. We were able to do most of our communication through text. Highly recommend!

The employee I had helping me Brad Frizzle was amazing on helping me through the process. Made it quick, easy and almost effortless.

Vince and Filishia were great to work with. They helped me save almost $200/month. There was a snag with docusign but otherwise it went well!

This was an amazing service. I knew there had to be a way to lower my payments, but in the end I not only lowered my payments with a lower rate but also lowered my term!

While the rategenius reps were great, the overall experience was not what it seemed. I chose to use rategenius for my recent auto refinance so I could do it online. However, in reality very little of it was actually completed online - not only were the rates and details all quoted over the phone, but the application itself had to be done all via mail. It was a pain to have to go back and forth to UPS to have to get this done. If I thought anything would need to be done in person, I would've just gone to my local credit union directly! Beware, they are not what they seem.

Very misleading. I received ad in mail directed to me personally that they could reduce my APR two points on the car I purchased, but after completing their forms they told me they couldn't reduce my loan rate as advertised. I wasted two hours giving them my info. Very untrustworthy advertising. My credit rating is as good as it gets, they just can't deliver their info they purport in their ads. Don't waste your time.

I contacted RateGenius again to refinance my auto loan with a different bank. The agent processed all my documents, initiated a credit check, and then went silent for almost two weeks. After I called a support line, I found out there was no way I could refinance the same Car a second time with RateGenius which the agent failed to explain and check before even starting the process. As a result, I have another hard pull on my credit history and will have to do that again to refinance my loan with another company. This is terrible customer service! UPDATE: RateGenius replied to this review and asked me to call back and resolve the issue. But the funny thing is that every call on this phone number goes directly to voice mail and they never call back! UPDATE 2: Apparently, it was a rate RateGenius policy where they do not refinance the same vehicle multiple times. Be aware of this quirk. But on the positive side, I did talk to them again and they helped me out with a different company that provides the same services.

I was skeptical at first to apply for a refinance on my auto loan because I have been rejected so many times. I was pleasantly surprised that I was approved and with a great rate and a much lower payment. The process was easy and Adrian my direct representative was always available and answered every question I had. I would definitely recommend.

Ann was wonderful to work with! I originally went on a whim to see if I could obtain a lower rate since my interest seemed high for my vehicle. I was able to obtain a lower rate and the customer service she gave was superb!!

Ann with Rate Genius reached out to me right away and found a lower interest rate than I was originally pre approved for. My document situation was messy because I had just moved and had differing addresses on documents. Ann was patient and understanding with me. Thank you so much!

Rate Genius definitely helped me a lot refinancing. It was super easy, and the representative Ann, was very friendly, professional, and super helpful. I highly recommend. 10/10.

I loved the whole process with RATEGENIUS! I loved it so much I did a 2nd re-finance with them one week later!

Overall I was pleased with Rategenius. The reps I spoke with were polite, professional, and helpful. They got me a great rate on my auto loan considering the times we’re in and the application process was fairly easy. It did take longer than expected to complete and a little frustrating when waiting days for an update from the loan rep, but in the end all is good.

Best experience. Fast approval and follow up from all personnel involved. Loan was finished in 3 and funded overnight. Can not wait to refinance my second car with them.

Honest, Expediant and very professional. Keith Edwards is the man. Straight to the point and always ready to answer all my questions. If you need help lowering your monthly payment . Rate Genius is the way to go Thanks.

So used rate genius to refinance my truck and they made the process so easy. Their people were very helpful and quick and they made this whole process wonderful

Right from the beginning Aaron was great. He explained everything perfectly, didn't waste anytime, and saved me money. Lower monthly price and lower interest rate. It was super easy and fast!

From the start it was extremely seemless transaction! My coordinator did everything she said she would on time and was very friendly! Highly recommend

I worked with Aaron and he exceeded my expectations, every easy and was always available for any questions I had. Rate genius saved me money by lowering my interest rate which made my payment lower. I would recommend rate genius to anyone looking for a better term. Great job guys!!

Auto Refinance…I was referred to Rategenius thru Experian credit website and that was the best decision ever! I was reluctant initially due to past credit history and thought I may not get approved. When I submitted my application Rategenius responded immediately and I was assigned to loan officer “Shrutika Pandey”…even though I was still reluctant due to various reasons with my process she always reassured me that everything would work out and she will go thru the whole process with me and not to worry…we will get thru it together. When my loan was finally approved I was so ecstatic and thankful Shrutika didn’t allow me to give up and because of her I’m able to continue on the up climb of my road of credit repair! Thank you Shrutika and Rategenius! Pamela J

I was directed to Rategenius thru Credit Karma. I refinanced my 2021 Yukon. It went very smooth and was painless. I would recommend Rategenius to anyone that asked. Thank you Scott Judge

While the refi process was pretty straight forward, Kathryn sent me an email with the remaining items needed. I was told I had to pay a $35 deposit to open an account with the credit union doing my refi. Even the "receipt" on the website indicated it was a deposit for the CU account. When I finally accessed that new account 1.5 months later, only $5.00 had been deposited. I emailed both my rep Sunny and Kathryn but received no receipt or explanation for what the $30.00 was for and no response to multiple requests for an actual receipt. Can you say scam?

Gary Ottosi helped me through my car refinancing, getting me a much lower rate and also lower payment. Communicated with me throughout the whole process and went above and beyond to make sure my documentation was received correctly and on time.

Rate Genius made a lot of promises! I very skeptical about the ability to deliver . They worked very hard to get me the best deal at the best rate. I saved a couple of hundred dollars on my car loan. I’m a fan now Thank you Real Genius.

They were fast and effective through my whole experience..Brad was my loan specialist and he was wonderful and went beyond and above for me to get the best rate possible. I would recommend them for sure

Ann McKinley helped me throughout my whole car refinance process and I could have not been more thankful. She went above and beyond for me and was able to get me a loan with the credit union of my choice and a new lower rate. I would recommend her for your refinancing needs! 10/10 would do it all over again.