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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

L
Lianna Pina · 1 review · Experienced 2026-07-24 ·

Just wanna say Mark was very…

Huge thanks to Mark for helping me refinance my car . He was very helpful and kind and communicated everything very well through the whole process. Definitely recommend

B
Brian · 1 review · Experienced 2026-07-24 ·

Seth was awesome to work with on…

Seth was awesome to work with on refinancing my car loan.

A
Andrew Vasquez · 1 review · Experienced 2026-05-11 ·

They were very understanding with what…

They were very understanding with what I was looking for and very helpful throughout the entire process, not only that they were also very quick to help me refinance my car. No complaints at all!

K
KGH · 1 review · Experienced 2026-07-23 ·

I had a great experience with Tawnie

I had a great experience with Tawnie! She was helpful and explained things well. It was a pleasure working with her.

D
Diana Rodriguez · 1 review · Experienced 2026-07-23 ·

Very patient

Very patient, polite, and easy to work with .

N
Neal H. · 2 reviews · Experienced 2026-07-10 ·

Very easy process

Very easy process, saved me money and I would tell my friends.

J
Jordan Brannon · 1 review · Experienced 2026-06-29 ·

Awesome Service

The people assigned to my case were very helpful and informative. As someone new to refinancing I felt my best interest were being looked after by everyone who helped me. Michael Hallen was very patient and answered all my questions. My new payment plan is perfect for me.

C
Courtney Johnson · 1 review · Experienced 2026-07-02 ·

Nothing but the truth!! ✨

I wanted to refinance my car and was actually denied by my bank.. late night scrolling led me to check out rate genius and thank the man above I did!!.. by the end of the following day I was refinanced with a lower apr and a lower payment!!!!! Mike was so damn awesome,was patient with me as I was at work trying to send him info . Lol .. he really knows his stuff!!!don't be scared, rate genius is the absolute truth!!! Thanks again!!!!!!!!!

C
Crystal · 3 reviews · Experienced 2026-07-01 ·

Thankful

They made it so easy and i am thankful i reached out to them thru creditkarma.

A
Arvind Saini · 2 reviews · Experienced 2026-06-23 ·

I had a great experience working with…

I had a great experience working with Megan and rategenius.

J
Jerett Heck · 2 reviews · Experienced 2026-07-02 ·

Had a offer come in the mail for pre qualified lower rate !!!

Had a offer come in the mail for pre qualified lower rate called and tried my luck they did not inform me they where going to do a hard pull on my credit or state any type of score I would need to be considered for a lower refinance rate befor doing a hard pull on my credit i feel as if it is just unprofessional for them to do so agent said it was in terms and conditions but the person who I spoke to on the phone did not inform me of any hard credit pull I was under the impression that a soft credit pull is done to see if you would qualify befor the hard credit pull but that was not the case now I have a hard inquiry on my credit report that will be there for awhile and did not get anything out of it but just that so watch out for them pre qualified letters I belive it is just click bait or a lure for them to just do hard credit pulls and give people a hard inquiry on there credit reports

L
Lena Schroeder · 1 review · Experienced 2026-06-30 ·

Hayley was great

Hayley was great. She was very helpful and worked around my schedule with phone calls and texting when I needed it. Thank you Hayley!

E
Edwin Torres · 1 review · Experienced 2026-06-19 ·

They were very helpful and flexible…

They were very helpful and flexible with my work schedule to fulfill the needs to fill my paperwork

R
Rosa pacheco · 1 review · Experienced 2026-06-26 ·

DAVID was amazing!

I got a quick response with an easy application process. It's nice to work with a real person. DAVID was very responsive and followed up with everything he said he would in a timely manner. He had options for me and ways to make the options work for me. I'm very happy with the outcome and help from rate genius.

J
Jakob · 3 reviews · Experienced 2026-06-09 ·

Jake was great

D
Dawn Bilyeu · 1 review · Experienced 2026-06-24 ·

Very quick nice and informative

How communicative, they were how they stayed in contact with me. How they text me right back? Explain how to do some emails. Crystal is amazing. She told me everything and more that I got. I didn't realize I was gonna get that many benefits, but I got way more than I ever. Could imagine highly recommended. They made it easy

d
dekisha townsend · 1 review · Experienced 2026-06-22 ·

Christian was great

Christian was great, he walked me through the whole refinancing process, kept in contact with me and was always available we i needed him.

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