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Money & Insurance

Rategenius

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189 reviews

4.5189 reviews
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About Rategenius

Data updated
Website
rategenius.com
Category
Money & Insurance
Location
United States
Status
Unclaimed
Last 12 months
162 reviews
Replies to negative
26% (6/23)
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About this business

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.

Written by the business, not verified by us.

Is Rategenius legit?

Rategenius (rategenius.com) has a 4.5 out of 5 rating on OK.one, based on 189 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 87% of reviews are 4 stars or higher and 11% are 1 star; The business has replied to 26% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-09-07.

What reviewers say

AI generated

Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the helpful staff members for successfully lowering monthly car payments and guiding them through smooth refinancing. People highlight the professional communication and efficient online processes that make complex financial tasks remarkably stress-free and simple. Consumers note that representatives are consistently supportive, knowledgeable, and entirely dedicated to achieving the best possible financial results. Some reviewers were not entirely happy with frustrating communication issues or occasional unprofessional conduct from certain staff members. A few individuals also reported experiencing previous difficulties during past application attempts or unexpected inquiry processes.

Auto-generated from all reviews of this business. For reference only.

What people say

Stress Free & Quick!

Logan Baker guided me through my first refinance experience with knowledge and patience. I filled out the online application with very little expectations and Logan called me the next morning to talk about my needs and did all the hard work to find us an amazing deal! The Remote Online Notary service they provide to sign documents made this experience stress free and easy to complete. Our refinance was funded quickly and now have a peace of mind knowing that we have a MUCH better rate and lower payment on our auto loan! Thank you Logan for your help!

A
Austin Carpenter · 1 review · Experienced 2026-08-05 ·

Amber feldman

Amber Feldman helped me so much and was so helpful. Very good at her job. Even sounded cute on the phone and I got nosey and facebooked her and she’s a hottie lol. But married unfortunately. But that’s wifey material and I could just tell over the phone. But she was amazing turned my last two days of trouble and fixed it all in 10 mins. She was such a help and brought my blood pressure down. They did really good tho besides the gap and the mechanical coverage that I did not like. My rate went from 16 % from one main to 6%. To wright part. They just added 4500 to my loan with that gap and mechanical and I wasn’t feeling that. So she got rid of it Maher did and got my full return back for both. My truck is a 2017 and is valued worth more then what I owe so gap I don’t need. And mechanical was 3300 for 24,000 miles and I’ll take my chances with that. I wasn’t happy with the 24000 miles for that amount of money. Truck is valued at 19.5k and I originally owed 18,400. And now it’s at almost 24,000. But she fixed that. So if it’s totaled my insurance will cover it. I drive a lot so 24,000 ain’t nothing. Thanks amber

J
Jeff · 1 review · Experienced 2026-07-23 ·

Increase of principle balance by $1750…

Increase of principle balance by $1750 was not made clear or evident. Melinda was always in a rush and while it's my own fault for not slowing her down, this was a deceptive transaction in my eyes. Never again and would never recommend.

E
Erick Andersen · 1 review · Experienced 2026-07-22 ·

The whole experience was so easy and…

The whole experience was so easy and nearly effortless. The agents were extremely friendly, helpful and took the time to explain everything and answer all my questions

B
Brian · 3 reviews · Experienced 2026-07-14 ·

It was quick and pretty easy

It was quick and pretty easy, they got my finance rate cut by half

T
Timothy McCray · 2 reviews · Experienced 2026-07-17 ·

It was quick professional and friendly…

It was quick professional and friendly service. The process was smooth and easy.

J
Jeune tailleur fashion · 1 review · Experienced 2026-07-31 ·

Thank you so much great job

My vehicle was financed through…

My vehicle was financed through Westlake Financial. I thought this was decent company. I normally like to get ahead and stay ahead on my loan payments. I had a deal that built interest daily. The interest caught up with me and I started to fall behind. I decided to take my business to AUTOPAY/ RATE GENIUS. I've tried to refinance through this company before and was not successful. With nothing to lose, I gave them a 3rd try. I lowered my payment by almost half. Mrs. Rodriguez was an angel throughout the process. Thank you Thank you AUTOPAY/ RATE GENIUS!!!

M
Mark · 2 reviews · Experienced 2026-07-27 ·

My experience was wonderful

My experience was wonderful. I was updated through the whole process. My agent Avery was amazing. She was helpful and patient. She’s the best, and thank you again.

B
Blake Moore · 1 review · Experienced 2026-07-28 ·

Overall experience was quick and great

Overall experience was quick and great, Crystal did a great jobs making sure I understood everything and answered any concerns I had. She also kept me updated on the process so I wasn't concerned on if things were moving along. Thank you so much Crystal

d
denise h · 1 review · Experienced 2026-07-29 ·

Travis and the rate genius team were a…

Travis and the rate genius team were a pleasure to work with in refinancing my auto loan!

A
Atlas · 1 review · Experienced 2026-07-27 ·

Jason was great!

The customer service was on point, they were very clear with their communications and what the process was going to be like. My payments were lowered way more than I originally thought I was able to, and I've been beaming ever since getting the good news.

B
Becca Haddox · 1 review · Experienced 2026-07-22 ·

Catherine was a delight.

T
Tonya · 1 review · Experienced 2026-07-20 ·

Detailed

Detailed, efficient and thorough. The process was painless,highly recommend this group.

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