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.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.
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.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.
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’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.
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!
Hello Daisyreebs! Thank you so much for your feedback! We are incredibly pleased to hear that we were able to provide you with such a quick and wonderful customer experience! Thank you for choosing RateGenius for your auto financing needs. We hope you will choose us again in the future.
Christine with rate genius was very informative and worked quickly to get my car refinanced!
Hi Hannah! We are delighted to hear that Christine played a significant role in making your experience so successful. Thank you for refinancing with us!
Great service from start to finish! Tim was great! Thank you!
We love to hear that Tim provided you with outstanding service. Thank you for choosing to refinance with RateGenius!
Tim was awesome. Very responsive & communicated every step. My experience w/ the entire process was great.
Our team is delighted to hear that you felt Tim could assist you in achieving all your refinancing goals, in addition to providing you with excellent service. Thank you for choosing to refinance with us!
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!
We are delighted to hear that Ann played a large role in making your experience so successful. Thank you for refinancing with us!
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