Rategenius Reviews 4,096

TrustScore 5 out of 5

4.8

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their professionalism, helpfulness, and clear communication, making complex processes feel simple and stress-free. Many people highlight the exceptional customer service, noting that representatives are responsive, patient, and go above and beyond to ensure a smooth and effective experience. The overall user experience is frequently described as easy, fast, and efficient, with many consumers appreciating the consistent support and guidance throughout their refinancing journey. However, some customers also noted issues with the pricing, finding that the offers presented were not always aligned with their expectations or initial discussions. A few other people also raised concerns regarding the process for credit inquiries and the clarity of information provided about loan approvals.

What people talk about most

Staff

People report positive experiences with staff, consistently praising their helpfulness, knowledge, and... See more

Service

Users describe positive interactions with service, highlighting the smooth, fast, and effective process of... See more

Customer service

Customers consistently note positive experiences with customer service. Reviewers frequently praise the... See more

Price

Clients share ambiguous opinions on price. Many customers report significant savings, with some reducing... See more

User experience

Reviewers highlight positive aspects of user experience. Customers consistently describe the process as easy,... See more

Based on these reviews

Rated 5 out of 5 stars

One of the best out there, really professional and helpful. I'll really appreciate Felicia Byrd who guided me all along and literally held my case like it was her personal, really responsive and hone... See more

Rated 5 out of 5 stars

Andy was wonderful! He was so helpful, polite and stayed in contact through the whole process. They were able to get my car payment $150 less than what I was paying and in this economy $150 is a big c... See more

Rated 5 out of 5 stars

Huge thanks to Tyler for helping me refinance my vehicle. His professionalism, attention to detail, and clear communication made a complicated process feel simple. He truly went above and beyond, and... See more

Rated 5 out of 5 stars

Sean was great to work with! Consistent communication throughout the process really was exceptional and professional. The process was very smooth and simple and only took a few days start to finish.... See more

Rated 5 out of 5 stars

Browsed on Credit Karma for refinance options on my Auto Loan and came across a great deal through Rate Genius. Sent in my application and within ten days signed the final paperwork confirming my sign... See more

Rated 5 out of 5 stars

Great company! They helped get my car refinanced by lowering payment and including gap insurance. They are very professional and expedient with the whole process! Thanks, Rate Genius!

Rated 5 out of 5 stars

Huge thanks to Gregory at Rate Genius! He was quick and efficient at finding me a lender for my refinance and saving me a little money. Highly recommend!

Rated 5 out of 5 stars

Quick and honest service. Very easy to apply and receive information about refinancing my vehicle. Very nice folks to work with.

Rated 5 out of 5 stars

Billy was professional and provided options. Once I decided on the rate, it was smooth start to finish. I definitely would recommend Rate Genius

Rated 5 out of 5 stars

My loan was handled by Mick and he was more than helpful and explained things every step of the process.

Rated 5 out of 5 stars

I worked with Matt to get my car loan refinanced. He made the process super easy and stress free. I highly recommend!

Rated 5 out of 5 stars

She was very good at her job and helped me all the way through and did frequent check ups and updates. Would prefer anyone to go to her. Very professional and very good

Rated 5 out of 5 stars

Very easy and quick to work with. Very helpful with information on loan. She helped me get all my paperwork in order

Rated 5 out of 5 stars

I worked with RateGenius a couple of times to look at refinancing my vehicle. After a bit of back and forth they were able to find an offer that lowered my interest rate and took care of the rest. T... See more

Rated 5 out of 5 stars

The refinance was a very simple process and I was well supported through the whole time.

Rated 1 out of 5 stars

Absolutely horrible. They sent my application out to several banks who all dinged my credit. Then they sent me a refinance offer that was worse than my current loan. Somehow they managed to calculat... See more

Rated 5 out of 5 stars

Amber went above and beyond! She was a tremendous help, and I would recommend Rategenius to anyone.

Rated 5 out of 5 stars

This was such a easy process, and Chris Harper killed it. He was a huge help, and was always there to help and answer questions. Thank you!!

Rated 5 out of 5 stars

Excellent and knowledgeable sales personnel. This company listens to customers problems and fixes them

Rated 5 out of 5 stars

Awesome experience with Jennifer. Went real smooth and impressively well. Recommend highly

Rated 5 out of 5 stars

Matt, loan specialist, was so helpful, from excellent customer service, to making sure I understood all information. I truly couldn’t have done this process without him, Rate Genius will definitely ma... See more

Rated 5 out of 5 stars

Kash was amazing to work with. Very responsive with great customer service. Communications were always timely and clear.

Rated 5 out of 5 stars

Brandon did a great job of find a great lending company and guiding us through the approval process. He saved us time and energy by anticipating what materials were needed so we were always ahead of... See more

Rated 5 out of 5 stars

Jennifer made the whole refinance so easy! She was very patient and kind through the whole process and walked me through all of the steps. I am so happy she was able to help me lower my payment while... See more

Rated 5 out of 5 stars

Amber Feldman was amazing I usual dread calling customer service but this was honestly one of the most pleasant experiences ive had 10/10

Rated 5 out of 5 stars

I highly recommend Rate Genius, this company was a great help to me refinancing my Truck, lowering my payments and a lower APR. I had the pleasure of having Nick as my agent who was there for me ev... See more

Rated 5 out of 5 stars

Had a great experience with Justin, he was very helpful and informative. This was such an easy process I couldn’t recommend RateGenius enough!

Rated 1 out of 5 stars

Performed not one but TWO hard inquiries when I was told there would be ZERO. Used a made up credit score that I've never heard of when my credit score through all three bureaus was higher. Gave me fa... See more

Rated 2 out of 5 stars

This company gave a negative decision without a completed application and was not specific as To their rationale. As part of their review process they did a hard check on my credit which affected it... See more

Rated 5 out of 5 stars

Rick was very profesional explained the process and got things moving fast. He not only saved me money but also hooked me up with gap insurance.

Rated 5 out of 5 stars

Super simple and quick no hassle process. I barely had to do anything myself besides signing the papers, a very stress-free and easy refinance. Carene was great and very knowledgeable about the whole... See more

Rated 5 out of 5 stars

Paul got me set up with my refinance and was very quick and did not hesitate to answer any question I had! Amazing experience with them and 100% recommended! Fast, Easy, and overall Friendly!

Rated 2 out of 5 stars

The online application process was simple and straightforward, and I was contacted quickly to review my information. I was told to expect a call from a loan application specialist, and Jordan M. rea... See more

Rated 5 out of 5 stars

Great customer service. MELISSA.MARTINEZ knows her job she was very helpful. Thanks.

Rated 5 out of 5 stars

Jenni was very informative knew her stuff made it easy smooth transition will do business with Jenni again amazing job

Rated 5 out of 5 stars

I had an outstanding experience with Nikole during my loan refinancing process. She was incredibly attentive and kept me informed with detailed updates every single day. Her excellent customer service... See more

Rated 5 out of 5 stars

Worked with Loren, who was super pleasant and patient throughout the process. Was able to save over $100 on my monthly car payment.

Rated 5 out of 5 stars

Megan was amazing in helping us refinance our vehicle. She helped and was there through the process.

Rated 5 out of 5 stars

Mark was so patient and helpful throughout the process and answered any questions or concerns I had. Thank you so much

Rated 5 out of 5 stars

Very knowledgeable and walked me through every step of the process and made me feel comfortable with the process

Rated 5 out of 5 stars

I had the pleasure of working with Laura Y. Rodriguez, a customer success rep, and from the moment I started speaking about my issue I was taken seriously, and I felt like Laura was genuinely concer... See more

Rated 4 out of 5 stars

My loan specialist worked with me every step of the way and kept me informed throughout the process. Crystal was awesome and made the process very personable and easy.


Company details

  1. Money & Insurance

Written by the company

Headquartered in Austin, Texas, rateGenius has been driven to help people save money for 20 years. With a massive lender network of over 150 financial institutions in all 50 states, rateGenius helps find people better auto loan rates through refinancing.


Contact info

4.8

Excellent

TrustScore 5 out of 5

4K reviews

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Hasn’t replied to negative reviews

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Rated 5 out of 5 stars

Laura Rodriguez

I had the pleasure of working with Laura Y. Rodriguez, a
customer success rep, and from the moment I started speaking about my issue I was taken seriously, and I felt like Laura was genuinely concerned about helping me. I followed up with Laura and yet again her customer service was put on full display as she not only got in touch with the team responsible for the issue, but she emailed me on a Saturday, and I believe she was off that day to follow up with me. I really appreciate the time and extra effort that Laura took with me. I told her she was one of the "good ones", I hope her supervisor realizes what an asset Laura is to their team. Thank you for your hard week and dedication to the job.

20 March 2026
Unprompted review
Rated 5 out of 5 stars

This is my first time refinancing my auto loan

This is my first time refinancing my car and honestly, I can say, I couldn't be more happy. Andrew, my agent was extremely knowledgeable and beyond helpful during the entire process. It took a lot less time for everything to get finalized and was such an easy switch I wish I had done it sooner. Definitely recommend if your looking for to refinance!

17 March 2026
Unprompted review
Rated 5 out of 5 stars

Brandon did a great job…

Brandon did a great job of find a great lending company and guiding us through the approval process. He saved us time and energy by anticipating what materials were needed so we were always ahead of the game. I recommend Brandon and will use him again in the future.

19 March 2026
Unprompted review
Rated 5 out of 5 stars

Justin was great

Had a great experience with Justin, he was very helpful and informative. This was such an easy process I couldn’t recommend RateGenius enough!

18 March 2026
Unprompted review
Rated 5 out of 5 stars

Great Experience

I worked with RateGenius a couple of times to look at refinancing my vehicle. After a bit of back and forth they were able to find an offer that lowered my interest rate and took care of the rest. There was a little hiccup with the payoff (on the part of my lien holder; not Rategenius), and Laura from the customer support team went above and beyond to ensure everything was taken care of.

The only potentially negative part of the experience is that if you don't pick up when they call, they hound you! But once you're paired with a representative, you can text/email them for most of the remaining process.

5 March 2026
Unprompted review
Rated 5 out of 5 stars

I had an outstanding experience!

I had an outstanding experience with Nikole during my loan refinancing process. She was incredibly attentive and kept me informed with detailed updates every single day. Her excellent customer service made the entire process smooth and stress-free. Highly recommend her!

4 March 2026
Unprompted review

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