Don't be baited into doing this. You will screw up your credit for literally no reason like I just did. Do not use Rate Genius

I am a VA caregiver & I am writing this review on behalf of a Vietnam Purple Heart Veteran who was out right lied to by Cy at RateGenius. He told us exactly what the payments would be and when they would be due and all we had to do was electronically sign the contract and print out paperwork, sign it and mail it via FedEx with the prepaid label that would be provided. He had stated he would be off the next day and that it may take just a bit to receive the email. Days go by and he gets message from Cy's co-worker stating the loan was still processing and then the next email he got stated the application had been cancelled. Only after messaging Cy did he then tell me that the original application had 12824 miles instead of 128248 which i literally took a picture of the dash and sent to him so this is no error of anyone's except his own. When we did the application from kredit karma I didn't enter the exact miles. He then sends a message stating that he could still refinance the vehicle but he would need a down payment. They ran a hard credit report inquiry on his credit, told him he was approved & then acted as if we had errored! DON'T WASTE YOUR TIME!! KREDIT KARMA SHOULD BE ASHAMED FOR RECOMMENDING THIS GARBAGE COMPANY IN THE FIRST PLACE!! This is the second company that's screwed over a 78yr old vietnam veteran, Carvana was the 1st! Charged him 27.7% interest on a vehicle that had a recall on the big block of the engine and flat out refused to exchange the vehicle one he bought It. Some people have no soul! read more

RateGenius - Clear picture?? - Auto Loan Providers Near Me - Austin, Texas

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Stay as far away from this company as you possibly can. They sent me a letter telling me they could lower my car payment from $392 to 290 a month. After 4 days of trying to get them to return calls and dealing with various people they came back with a payment of 398. I literally laughed out loud. They are the biggest group of thieves and liars ever assembled since ocean's 11. I don't write reviews I try to be kind to companies but this one I thought it was my duty to warn you all to stay away. Just terrible if I could give them less than one star I would. read more

They mislead me to think they can improve my loan paymentby refinancing. My credit is near 700 with transunion and experian. My credit report suggested I could save by refinancing and the site showed me high approval rates with my credit score. Multiple text message and calls within minutes from rategenuis then they do a hard pull dropping my score instantly and come back saying no loan offer options to provide me. They bait you in and then do a hard inquiry to offer no options..... Terrible company and terrible experience. read more

Peak bait and switch. I have a perfect credit score and they offered me contracts with equal or barely 1% lower than my current rate. Not as advertised. read more

Being honest would be a good start and stop stealing people's money. After paying off my car loan 4 yrs early and decided to trade it in it could not transfer the warranty so I decided to take the refund. I went thru the steps abd sent in all of the documents I was told I was owed a $927. Refund but I would have to contact rate genius for the refund. Well first they just kept accidentally hanging up on me then they said they would check into it and call me back. They didnt and now they apparently have my number blocked because I can't even get the call to go thru unless I use someone else's phone. This isnt an accident. It is out right stealing and lies. read more

These guys are frauds....They offer a loan rate on credit karma then do the classic bait and switch after they run your credit...stay away from this company !!! read more

I used their service back in 2022 to refinance my car loan. I didn't even make my first payment on my newly purchased auto, yet they were still able to help me refinance with half the APR. They set me up with an extremely good local credit union here in L.A., which is awesome because I ended up building a relationship with them these past 2 years and banking with them as well. This wouldn't be possible without the service RateGenius provided me. read more

Never do business with this company. 1. They say they won't affect your credit score - highly deceiving because if you look into the fine print they WILL pull a hard inquiry. (see marketing email I attached - submitting to the CFPB as a deceiving practice) 2. They will take several days to even contact you saying there are rates avail. I had to call my agent over 10 times before I even got to a live rep. 3. I have an 800+ credit score with a vehicle worth 20k. They offered a horrible rate that made the payment lower but a super high APR - typical dealer scam. 4. When speaking to customer service through their online web chat - they will disconnect on you multiple times if you ask a question they can't/don't want to answer. I would NEVER recommend anyone doing business with this company. Very unprofessional, deceiving, and offered horrible rates. Don't pay attention to the 5 star reviews on Yelp from employees! What a joke. read more

RateGenius - No impact to credit score - yea right. - Auto Loan Providers Near Me - Austin, Texas

Not the advertised rate on Credit Karma. Don't waste your time. Regardless, they offered me a lower rate and said I was approved. Led me on for two days and I answered all of their necessary questions. I have excellent credit, income surpasses the threshold, then right before they were going to send me the loan docs, the lender all of a sudden said I was no longer approved because my vehicle was a buy back. Why was this not a problem when they initially approved me? They had the VIN? Why waste my time and ding my credit? Also the representatives attitude changed completely when I opted out of the unnecessary warranty because my vehicle already has a warranty from the dealer. I also denied the GAP insurance because I do not owe more than what the car is worth. End of story. SCAM! read more

OVERALL: 0.067/10 (Yelp Converted Score: 1/5 (can't round down to zero unfortunately)). I'd give this place a zero, but Yelp minimizes the ratings at one, so here we are. AVOID THIS COMPANY AT ALL COSTS. I find it appalling that their sales tactics assume the customer is dumber than they are, and that they feel entitled to hard-pulling your credit to give you sub-par quotes that can't even beat the market. What's worse - they try to CONVINCE you that YOU'RE mistaken, when YOU'RE the one who can clearly see what the rates are, and do some simple math to extrapolate that this company stands to make between $5000 to $10000 off of you in interest, by extending your loan period and increasing your interest rate and APR, but trying to play it off by saying "your monthly payment is lower!!!" (even if you weren't looking to explicitly lower your monthly payments) The moral of the story here is to "stick to your local credit unions". They're ACTUALLY looking out for you, unlike this faceless corporation that only seeks to profit from gullible customers. 1) VALUE FOR MONEY: 1/10. My current APR is 2.74% (interest rate 2.24%) with a credit union, and RateGenius had the gall to offer me 2.93% APR (at the same 2.24% interest rate, for 36 months) or 3.026% APR (at an increased 2.49% interest rate, for 48 months). Yes, my monthly payments would have decreased by around $300-$400 (I have around 18 months left on my current loan), but I explicitly mentioned in my initial e-mail that my goal was to LOWER my interest rate (and possibly) my loan period, not INCREASE both of them (mathematically, this means that you end up paying MORE interest to the bank over time - if the loan period increases, you're giving them more of your hard-earned cash!). I chose to decline to proceed with my application (since my current lender has been spectacular, and I was simply rate shopping, not expecting to get a HARD PULL ON MY CREDIT REPORT WTF), but that's not where this story ends! 2) QUALITY: 1/10. What irks me about RateGenius is that they hard-pull your credit, even if they don't need it. It's VERY clear that I have exceptional credit (otherwise how the hell did I get my original APR / interest rate to be so low to begin with? I also have a mortgage on my home, that I always pay every month, and have never missed a payment on any of my cards in the past 5 years, so don't pretend that I'm a bad customer for a loan company), and that I would require some level of decent customer service. The agent that was assigned to me provided so few details over e-mail it was almost cryptic - like they expected me to be some gullible sheep, seeing the words "monthly savings" would instantly pique my interest into wanting their services. What they seemed to not ever realize in our entire interaction was that they were seeming more and more sketchy as our interactions continued. By the fourth e-mail I was done - the agent had badgered me REPEATEDLY to have a phone call, and had the guts to call me at 7am my time, without me ever asking for a phone call. The "1" is because they respected my request to not proceed with my application, but we're not done yet. 3) SERVICE: 0/10. The "0" here is because I was tricked. When I submitted my information on their web portal, I was NOT consenting to a hard pull; the assumption was that I would be given a soft pull so I could see my quoted rate (as other banks and lenders offer on their website), but when I hit the confirmation screen and it said "an agent will contact you shortly", my assumption was that they would e-mail me the quote. Okay, no big deal, right? RIGHT??? NOPE. Monday morning (4am) I get e-mailed from Experian saying that some random company has pulled my credit - and what do you know, 7am (the agent calling me was "Mark Burris" for reference - STAY AWAY), I get a missed phone call (I'm not waking up for non-work-related calls, 7am is too early for a night owl like me), from the SAME FREAKIN' COMPANY. Needless to say I was already pissed with getting a hard pull - okay fine - the offered rates HAVE to be good, right? RIGHT? HAHAHAHA if you haven't got the gist of this story yet, it's that RateGenius duped me. They pretend as if their quoted offers are competitive to the market, and they hard-pull your credit as a "screw you" to your credit report and rating. I'm going to have to spend the next four months of my life fighting the credit bureau(s) to scrub this inquiry off my credit report, since this was DEFINITELY not an authorized request. read more

I was interested in refinancing my used car. This company lured me in with a lower, "pre-qualified" offer. This is not my first rodeo, so I knew that the final rate could be better or worse once I gave them all my info. I applied online. I received an email response with a link to provide more information. The link they provided me was dead (strike 1), so I called instead. The service rep asked basically the same information I just entered (strike 2), so I went through the process again. Today, I got a call and email that I was approved and to call them back. This new rep asked me for the same information AGAIN, and then told me that I could get a rate that was .5% HIGHER than my current rate (strike 3). A non starter. A suggestion: You can try these people, but they're just brokers. We wound up contacting our currrent loan holders, and got a better rate. read more

5 stars for politeness. The 1 star is for overall experience. Both ladies I talked to were really polite. During the application, phone from 1st lady kept cutting off. Another lady called back and had the same issues and on top of that she gave me an invalid extension. So thankful for others reviews from Yelp that helped me decide to stop and cancel my application. read more

Worst mortgage lender I've ever come across. Completely stupid lenders who doesn't have a brain works here. Gave me a higher payment and 4x higher rate then told me if I didn't move forward the hard inquiry will impact my credit score. Suggested this is what's best for me, really? read more

They and "autopay" claim to be different companies - they aren't. They're one and the same. When you apply at RateGenious.com they explicitly tell you it's a soft credit pull. Then they "refer" you to "autopay.com" which does several hard pulls through"affiliates" like Ally and random credit unions from around the country. I've reported them to FTC and CFPB - if you do anything with them you're going to get quite a few hard pulls without you ever knowingly having given permission. Stay away! UPDATE- reply from "Alexa" is false - they do not state that they are brokers, they definitely do NOT state that Autopay is the same as RateGenious, nor do they state that they will "spray and pray" your application to random multiple lending entities literally all around the US. They do harm - not good - for which they extract a commission if a loan is made. In addition, unlike say if a car dealer does the same - which they do - it's done at the same time/same date. These people will keep doing it for days. read more

I reached out to them because Credit Karma showed I had good possibilities of lowering my payments and interest. I started the process on 9/29/21. I was "approved" on 10/5/21. My agent was Tyler Markum. After so much back and forth, we came to an agreement on an offer from a bank. A silly mistake I made was not having my car registered in Florida where I was moving to on 11/1/21. So we found a bank that would keep the offer open till I could be registered and have insurance, ECT. Sent all that info on 11/3/21. His favorite line was "I'll email those to you today" when it came to documents. On 11/9/21 i reached out yet again waiting on documents. Sent references, always signed the documents day of. Paid to join the membership to the credit union called Abound which now sounds like a scam as I think about it. Called Abound CU for an update since Tyler was slower than a Sloth. They said they have nothing on file. 11/18/21 he said my loan with capital one should have already been paid off. IT WAS NOT!! He said he'd follow up with me on 11/19/21. HE DID NOT!! He then replied in 11/22/21 saying he'd get back to me that day with an update. HE DID NOT!! 11/23/21 I had to make a payment to capital one so I wouldn't be late. Was told I'd get refunded once the load was funded. 11/29/21 I had to reach out again. He said I had MORE documents to sign to finalize the loan. Even though days prior he said I signed everything I needed. 12/1/21 I had to reach out AGAIN to tell him I was waiting on those documents. Apparently I needed a VIN inspection. To verify that my car is the Legit one on the paper work. So i went to UPS and did that. 12/6/21 I had to reach out and he said the bank won't accept it due to wrong ink color. I asked for new documents. That was a hassle. 12/16/21 my app was closed. He reopened it per my request. 12/17/21 UPS wouldn't re-notarize since I was out of town and in PA. And the documents were in FL. I'm a flight attendant and wasn't home till Xmas. So I said it would have to wait. When I went to to go resend the Docs from FL on 12/24/21, I woke up to an email that my app was denied. I was over it. I didn't reach back out. 2/19/22: Applied for a refinance through American Airlines credit union. 2/24/22: Loan approved through them (only took longer due to weekend and holiday on 2/21). Documents signed. No notarize needed. Account appeared in my app by 6pm. Pay off sent to capital one 2/25/22. Capital one showed paid off 2/27/22. Process considered COMPLETE read more

I applied for a refinance loan on Feb. 1, 2022, was sent an email saying they were unable to approve me, forwarded my information to another company, Auto Pay... they offered me a loan but the saving were not worth the hassle. Today, almost 2 weeks later, Feb. 13, 2022 with a message they were unable to provide me a loan. I am aware of that, didn't need this reminder, form of harassment. Never do business with this company, I never gave approval to have my information shared! Reply from RateGenus was not welcome or needed. No Genus has to figure that out... read more

Bait and switch. They advertise low rates on their website with zero disclaimer. When you apply they tell you that rate is not available. I have filed a complaint with the Federal Consumer Protection Bureau. read more

RateGenius - The rates they offered were more than 3% higher than those listed on the website after accounting for fees. - Auto Loan Providers Near Me - Austin, Texas

Lori is a horrible representative and shouldn't have anything to do with servicing customers. She is condescending and speaks to you like you're dumb. I was shopping online to refinance my car loan hoping to get a shorter payment term as well as lower interest rate even if I was paying higher. Their website showed a rate lower than I was actually offered though my credit is excellent, she tried to push me to buy gap insurance as well as service package for my vehicle and got upset when I declined both and asked for the rate without either. Well, turns out they quote me slightly less than what I am paying (SLIGHTLY) but with LONGER payment terms, LOL! What a waste of time! Then I declined altogether and mentioned how this just put a dent in my credit since they ran a hard credit check for nothing and she had to mention the obvious which is "well, you gave us permission to do so"... duh, no sh*t sherlock, based on your false advertisement, I DID! I hate that I even have to give them and her 1 star! read more

This is a phishing scam , thry promise a better rate , hard hit your credit , give you a ridiculous rate and you say no . They walk away with all your personal info , this is a rip off scam and elaborate , report them to bbb. read more

Extremely unprofessional... The process to get a quote was as expected. The LO was proficient and trying to connect with me each day for giving a quote to proceed with. However, he wanted me to proceed with a quote that put me 3 payments behind from where I'm currently at and add $1331 of debt to the loan to save $16.29 a month. So I would have $2,426.13 in extra payments + $1,331 for the loan = $3,757.13 total debt. The savings in payments from current loan of (16.29*69 payments) $1,124. The LO wanted to argue with me that I would save more instead of being professional and letting me know that it would not be a good idea to refinance my truck. I would never try and put someone further in debt and lie to them about the savings. read more

I needed to refinance my vehicle and after going back and forth with Capital One, who approved me, but had to change up their side, I decided to try RateGenius. Cierra Copeland was fantastic! They got me a better rate (3.79%) than both Cap One and Ford Credit! She constantly followed up with me by text, and although we had to do a change midway thru, it was still very efficient and organized. Thanks so much to her and her boss for working so hard to help my family and I save money!!! read more

RateGenius - My happy wife and I! - Auto Loan Providers Near Me - Austin, Texas

Word to the wise, avoid these guys. They popped up on my Credit Karma page so I submitted to see what how low of a rate they could get me. Rate came in low but with all kinds of BS. When I decided not to go with them the representative was rude and very unprofessional. Copy of Drew's text to me: Your approval has been cancelled for inactivity. Make sure to make your upcoming, higher rate payment on time to prevent more negative activity on your credit report. If this is a mistake, let me know ASAP read more

I am truly disappointed with my experience with Rate Genius. I was trying to get a lower interest rate on a car loan that was taken out in January 2023. I was approved quickly but I thought it was strange that I was not asked how many months I wanted the loan for and if I wanted a lower rate. I called this morning to get more information on the approved loan and found out it was for a higher rate for 60 months or the same rate I currently have for 48 months. These terms were totally unacceptable. I have an excellent credit score so this makes no sense. I was told it was due to the age of the car. This was a waste of time! read more

Unfortunately I refinanced my car through Rate genius in April of 2020. They seemed liked a reputable company, and during COVID I was looking to save a few $$$ anywhere I could. The Initial process was pretty simple and quick, it wasn't until after I paid off the refinanced jeep that the nightmare began. During the process of refinancing my Jeep through Rate genius, I was talked into buying extra insurance, gap insurance, etc that I was told could be rolled into the finance amount of the Jeep, and if I ever wanted to cancel it, or if the Jeep was paid off before the end of the loan (which would have been may 2025) , I would be refunded whatever percentage of the insurance wasn't used at that date. Flash forward to January 4, 2022 when I bought a new Jeep through my credit union, and the old Jeep that had been refinanced through Rate genius, in 2020 was paid off. That being said I canceled the extra insurance that I had purchased, and requested the refund for the insurance I didn't use, (never used!) and this is where I find out just how shady, and incompetent this company is. For almost 5 months I went back-and-forth with rate genius about where my refund was for the insurance policy I cancelled. I was transferred to so many different departments, talked to so many different people, agiven so many different phone numbers, I can't even begin to tell you how frustrating this was to try and get ahold of an actual human being who knew what was going on. When I finally did get ahold of somebody on March 28th, almost 3 months AFTER my old Jeep was paid off, rate genius in Austin Texas that refinanced my old Jeep, and talked me into buying the extra insurance, I thought it would be a very simple process to get my refund taken care it, Because after all, that's what they told me when they sold me the extra insurance... "At any time, Angie you can cancel this insurance and be refunded the difference!" I should've no right then and there if it sounds to good to be true it usually is. Aaron the guy that help me refinance my car never bothered to tell me that you have to cancel part of the insurance within 90 days to be refunded that amount, so I instantly lost out on $750 that I never used, then I find out after months of waiting that they sent my thousand dollar refund to the bank that I re-financing my car through back in 2020. Mind you this loan had already been paid off in full and I've been driving a new car for four months read more

I was not sent all the proper documents to sign with my original paperwork. When RateGenius realized this they sent me a supplement that needed to be signed. This was signed and returned. They then called me to tell me my lease buyout paperwork had expired and requested a get another one from my leasing company. My buyout had increased $120. RateGenius asked that I pay this difference, claiming it was not their fault that the buyout expired/was raised. They were not willing to budge whatsoever even though the transaction could have closed on time if the proper paperwork was collected, wouldn't even split the difference with me. I work in lending and regularly provide a lender credit when an issue like this occurs, especially when it is due to a delay in closing and we are so close to doing so. Bad business. I will not return to RateGenius for another loan. read more

Absolutely awful, advertised great rates. i have fantastic credit. i would never recommend. i told them less than 4.2% and quoted me 9.4%. NOPE!! run! read more

Received invitation. Started process but didn't provide my Social Security number. Something felt off. Site said I'd receive a call. Never received a call or any contact. Weeks later- receive letter regarding an "inquiry" into their services AND my credit score from Experian. Huh? How did you run my credit? I never gave you my social or approved of my credit being ran. I'm filing a complaint on your company. read more

AWFUL experience with Rate Genius. I have an 819 credit score, it doesn't get much better than that. They lie about their rates, run your credit and then give you a much higher rate than they advertise. I am a shoe in when it comes to getting approved. They lure you in with fake low rates and then it's too late, they've run your credit and it's a hard check. My loan officer Morgan Griffith was absolutely awful. It took me over 10 emails and 10 additional phone calls to get ahold of him. When I finally got him on the phone he was terrible. No customer service, bad attitude and downright rude. He clearly did not want my business. They lost a good customer. Don't waste your time and go with a more reputable bank or credit union. read more

I entered my info at Credit karma to compares hypothetical rates. I was directed to a section for rate genius. I filled in the info requested. They asked for my social security number and stated that it won't be used for a hard check, that it will only be soft. a couple hours later I discovered that they ran a hard check. I called them this morning and spoke with Amanda. I told her this She said that she saw an application in my name and that she would cancel it. Just as I got off the phone with her I got an email from her telling me I was approved. I was expecting an email saying that they cancelled the application that I never authorized in the first place. Amanda keeps lying to me to cover her a$$. read more

Lori is a horrible representative and shouldn't have anything to do with servicing customers. She is condescending and speaks to you like you're dumb. I was shopping online to refinance my car loan hoping to get a shorter payment term as well as lower interest rate even if I was paying higher. Their website showed a rate lower than I was actually offered though my credit is excellent, she tried to push me to buy gap insurance as well as service package for my vehicle and got upset when I declined both and asked for the rate without either. Well, turns out they quote me slightly less than what I am paying (SLIGHTLY) but with LONGER payment terms, LOL! What a waste of time! Then I declined altogether and mentioned how this just put a dent in my credit since they ran a hard credit check for nothing and she had to mention the obvious which is "well, you gave us permission to do so"... duh, no sh*t sherlock, based on your false advertisement, I DID! I hate that I even have to give them and her 1 star! read more

so easy , clear on what docs you need , work with you every step of the way. very professional including follow up calls to make sure the transition to the lender goes well!!!! will definitely recommend this service to anyone in my family and friends and I got the best loan and they got me a loan from 11% down to a new loan of 6 % with taxes extended warranties across the board and a 45 day grace period to the first car payment with the lender !!! so I was able to catch up and save some money that went right into savings !!!! thank you Rate Genius and great job !!!! read more

I refinanced my Lincoln MKZ Hybrid and added mechanical warranty coverage as well. My APR % is much better and monthly payments are lower. The whole process was pretty quick and easy. The most time consuming part of this was gathering my information to either email or text to Ciarra who guided me along the way. But overall it was not that difficult at all to move forward with funding. Ciarra followed through and helped me get my information in order. read more

RateGenius - Auto Loan Providers Near Me - Austin, Texas

Kiki my service rep was awesome. Also by far the fastest refinance I have ever done! Just outstanding service all around. Thank you!

My experience with RateGenius was horrible. The process was arduous. My loan agent was Ashley Caldwell. I do not recommend her at all. She doesn't care about her customers and is only in the business for the money. Very poor in following up. I left several voicemails for her with the majority of them unreturned. I sent all the requested information to her on Sept 9th, and didn't hear from her until Sept 25th!! It has been over 5 weeks, and still the process is not complete. I got fed up with Ashley's lack of attentiveness and called to talk to her boss. Her boss sent me those documents immediately! What took Ashley 5 weeks to do, her boss did in 5 minutes!! My rate was lowered by only 1.8%, but I took the deal because it lowered my payments. RateGenius is a broker, so they are making a massive profit from the GAP insurance that pushes on you. They charge over $700 when you can usually get it directly from the lender for $200. 10/02/2020 - In response to Alexa: Seriously!!?!??. Today is exactly 6 weeks since I started this process with Rate-NOT-So-Genius, and still, my approved loan is not funded!!!! I spoke with a supervisor last week Thursday and was advised that my loan would be funded. I reached out to her again on Tuesday of this week, because my current lien holder had not been paid off yet. I was asked to again provide information that was already sent to Ashley's email several weeks ago. The supervisor looked in Ashley's email, and sure enough, the information was there. Meanwhile, my current auto loan is gaining interest every day, (over $300.00 since the process started). So, Alexa, I understand that people make mistakes, but please explain to me the continual incompetence that your employees are displaying in their chosen field? Are they not trained correctly? Is it bad leadership? Perhaps setting a goal of funding 4000 loans in one month is a bit too lofty for you at the moment. I'd highly advise that you clean the swamp and get rid of those loan agents that have no customer service skills, and are only focused on the commission check that they will get from making a sale. Everything rises and falls on Leadership. read more

I found this site thru Credit Karma. In 24 hours I was connected to Eddie Sosa. He found me an immediate lender that lowered my monthly payment by $100. He had me send overnight 4 items to mail back, DONE. This process was so simple. I'm happy with the rate I got, there was no "funny" stuff or hoops to jump thru. My goal was to lower my rate and pay more on principle to get this car paid off sooner. I highly suggest rate genius to find you a refi rate, seeing my score had gone up. I also suggest my rep Eddie Sosa, as he was quick with email responses as well as easily accessible via the phone. My outcome and experience is a 5*. In terms of hit on your credit that i have read: it was 2 points on Experian only. I will take the 2 points because i will be reducing my principle every month which will bump me up quicker anyway so worth it! read more

My fiancé contacted this company to refinance his Honda Odyssey minivan. Thien Nguyen was awesome from initial contact to the quick close of the refinance. He save us over 119.00 per month and at least 7000.00 over the life of the loan. We don't have words to express our gratitude for this company's valuable service. Keep up the great work. read more

After online application, they want a phone call and a laundry list of tons of information sent to them. Paystubs, registration, insurance, license, utility bill,..... All before giving rate or payment info. Too much hassle just shopping to beat my current bank when there are many others to go to for 100% online and payment info off a soft pull. Oh, and although they advertise soft pull, to actually get any rates or payment info it's a hard pull. RateGenius is a HARD PASS read more

My experience with RateGenius was not so good. Yes I got a lower rate but they kept emailing me I have to do this and that. then the loan was approved but someone screwed up my account number to do auto transfer and that was not done correctly. Then I went to the website of the bank that did my loan and they told me the check bounced. So I went back to Rate Genius and they said no we sent out two checks. But after more research, the check cleared the bank. So my bank called me to let me know that the account number was transposed. In the mean time I had to move quickly and make a payment on my auto loan because no one had done that. Not happy at all. Spoke to a manager and they don't care that I had to go through all this huge headache. read more

Pretty frustrating experience. After I filled out all my information Rodney Bremby reached out to tell me I was approved. I emailed him back twice and left a voicemail and didn't hear back until the following week. After speaking with him he told me my options with a few different lenders. I picked one and was very happy with it, he told me he would send me the documents to sign and to send them back to him. THIS IS THE FRUSTRATING PART. I signed the documents and was about to mail them back when I looked at the numbers on the last page. This was not the agreement we discussed. The APR was 2% higher, my payments were $30 higher per month, my next payment was 30 days sooner, and it was 60 months instead of 66. I called and wasn't able to contact Rodney but ended up speaking with Frank who was very nice and understanding. Rodney ended up leaving me a voicemail telling me that I didn't get approved for the loan we agreed on because I'm a 10-99 and needed a W-2 for that specific lender. Obviously something he should have told me before sending me the paperwork; extremely shady behavior and it really pissed me off. Anyway, I emailed him back calmly noting that miscommunications can happen and asked if the lender would accept bank statements and invoices so I could move forward with the original deal. I never heard back and that settles it...go elsewhere. read more