Rategenius Reviews 4,096

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. reached out soon after. We went over my goals and the loan terms I was looking for, and everything seemed aligned at first.

A few hours later, Jordan called back with an offer that was nowhere near what we had discussed. Not only was the rate higher than expected, but he also tried to bundle in GAP and vehicle protection products directly into the loan. At that point, it was clear this company wasn’t the right fit for me, and I decided to take my business elsewhere.

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

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

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

Matt did great and answered all of my questions, putting together the new loan very quickly.

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

Had a hard pull on my credit when i didn’t authorize one. Also within 20 minutes of filling out and application on their site i had 22 dark web identity exposures.

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

Val was awesome! She was very patient and understanding and it all worked out in the end!

Nikole was very helpful and made the refinancing process very smooth and easy.

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

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 false hope when they LIED and said I was approved in email and text and then told me they could not get me approved on the phone. Never touch this company.

Refinancing was easy and someone was always available to answer questions and provide updates on status.

The lady was very helpful to me on getting everything I needed for my application keep in touch to let me know what was going on kept in contact with me to let me no the process of my application

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 calculate a loan for the same length with a lower APR, but a higher monthly payment. I don’t even know why they sent it to me. I would’ve been embarrassed to send that. A lot of people find them from credit karma. That company and service is an absolute joke.

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 negatively. They could have done a soft check and obtained the same information. I find it interesting that they would make a decision without a completed application and I would advise against the use of this service.

I recently applied for a Rategenius auto refinance, and based on my score, I was placed into a category where I could get a 48-month loan @ 5.0%, which is a couple of points less than what I have now, as well as 10 less payments. I figured it made sense, so I went ahead with the process.

After a fairly simple application, I was contacted by RateGenius for a couple of questions and was advised I would be given a callback. Keep in mind that my initial credit was soft-pulled as well as hard-pulled by a third party at this point, and an initial offer of the 48mo@5% was the primary and only factor in my decision to refinance. After a callback from a friendly RateGenius sales person, I was told that "she was ecstatic to inform me I was approved for a 72-month loan @ 7.9%".

My jaw dropped. I was floored and asked the lady what type of reasonable "genius" would accept such a shady offer. I asked to speak with her supervisor but have not heard back from the company. Now, I am stuck with a hard inquiry on my credit, which could stay there for years, with absolutely no positive outcome. BEWARE!

I am writing to complain about refinancing an auto loan through your rategenius, autopay, or any other name they go by. I got an offer through credit karma with a lower APR and monthly payment so I went to check it out. I took a break in filling out the additional information they wanted to check for the refinance, but had a hard inquiry run on my credit before I even gave all the information on the site. Besides that I got an email saying I would need to pay over 12k for an offer in general. I do understand that credit karma may have been offering a different price and ratings but for it to be that drastically different is just an absolute scam on your part as well as credit karma for posting such absolute BS. I wish I could give you zero stars or use a more negative rating because this was a complete waste of time. Hopefully this will help someone else not waste their time even considering these companies. Should've listened to all the one star reviews I read instead of giving it a chance.

They were recommended my credit karma We started the process on 6/13/24 and was approved fairly quickly. They asked for several documents which I provided in a timely fashion, and a few days later then my loan specialist asked for the same documents over again and I told him that I already snap them and he said oh OK I see. Then they had a sign a loan agreement and FedEx the title information so they can get this loan finalized and my loan specialist again. A few days later I asked for some more paperwork that again I’ve already sent and he said oh I see OK he promised to give me a call back the next day to give me an update. Never got a phone call, I had to text Tim several times the following day and finally got a phone call back on that phone call. He asked for some more documentation at last minute that’s when I asked to speak to a supervisor I received your phone call from the supervisor the next day we got through that hurdle, and got the paperwork that they were requesting, I was told that my loan specialist should have asked for that upfront today on July 2. I was told that we still need more paperwork. I told my loan specialist who is a different one this time to help finish this up. I already sent it to the old loan specialist and they said that they could not find it , I was uncomfortable, sending the same documents again due to the sensitive information that was on them. I spoke with the supervisor again this afternoon and told him to cancel my contract, and that I would never do business with you guys again it just seemed with this company that their loan specialist do not know what they’re doing and they’re constantly asking for paperwork. They’ve already got I would not do business with this company even if they were the only company that does this.

These people did the same thing to me as they have done to others on here! Credit Karma said i had "Excellent" approval odds for a very good deal yet when i accepted good loan offer, they had me fill out info, submit documents and was told i had been approved. Then they cancelled my loan for some mysterious reason, called me back and apologized, then told me there was no way i could get said loan and instead offered me a whole other loan, which was NOT good. They did a HARD inquiry and in the end did NOT give me what they had initially promised, smh. NEVER AGAIN!