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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

S
Sierra · 1 review · Experienced 2026-06-10 ·

Rate genius and my agent were quick and…

Rate genius and my agent were quick and efficient in getting my loan refinance!

R
Rogers · 2 reviews · Experienced 2026-06-19 ·

Alex was very helpful in ensuring the…

Alex was very helpful in ensuring the documentation and process went smoothly.

C
Curtis · 1 review · Experienced 2026-05-26 ·

I started this process not knowing much…

I started this process not knowing much about how refinancing works. Thanks to Josh LaTour for making the experience super easy. He broke everything down and answered all my questions so that I would understand completely, He was very helpful a true professional, highly recommended.

Rebecca Miller is the best…

Rebecca Miller is the best representative I've had with any type of financial experience. She is professional, helpful and very knowledgeable. I very much respect her patience as I was stressed when I finally met up with Rebecca. She was always courteous and answered all my questions, even the silly ones. I would recommend Rebecca for any position she may go after. Thank you Rebecca!

C
Chad Graves · 2 reviews · Experienced 2026-06-15 ·

Very good experience

Very good experience. All answers I had were answered in detail to make sure I was aware of everything that was going on. Communication during the whole process was outstanding. I would highly recommend.

D
David Hammock · 1 review · Experienced 2026-06-11 ·

Communication

Mark was wonderful to work with! He has great communication and always kept me informed through the whole process! His customer service is top notch !

W
Winterraiine · 1 review · Experienced 2026-06-08 ·

Absolutely amazing great people to work…

Absolutely amazing great people to work with Patrick helped me every step of the way. Any questions I had. He answered no problem. This service is A1. They get the job done. If you need financing they are the ones to get it done for you.!!!!

K
Keren · 1 review · Experienced 2026-06-05 ·

My representative

My representative, Rebecca, was amazing! Super kind, patient and knowledgeable. She help me every step of the way and kept me in the loop at real times. For the first time, it wasn’t “painful” going through a financial process. I was very pleased with the whole process and having Rebecca there to support.

J
Jessica Barrett · 1 review · Experienced 2026-06-04 ·

Tawnie was great to work with and made…

Tawnie was great to work with and made everything super fast and efficient! Thank you!!!

V
Valarie Davis · 1 review · Experienced 2026-05-15 ·

Solomon Hunpatin is an excellent loan…

Solomon Hunpatin is an excellent loan specialist! He was always available for my questions and concerns. He kept me well informed throughout the loan process. Excellent customer service!

C
Christopher Jensen · 1 review · Experienced 2026-06-02 ·

Rate Genius makes refinancing as easy as possible.

Working with Rate Genius and more specifically working with Jelani Howell was a pleasure. He listened to what I was looking for and made me feel like an individual rather than a number. He was quick to always call me back or respond to me through text and was always able to answer my questions and keep me updated as to where we were in the process of getting refinanced. I highly recommend Rate Genius and Jelani for making refinancing as easy as possible.

J
Jermaine Bracy · 1 review · Experienced 2026-06-03 ·

Excellent service

H
Harlan Elam · 1 review · Experienced 2026-06-02 ·

Professional rep

My rep was very professional and worked with me patiently even though I wasn't as prepared with documents as I should have been.

C
Christian Nelson · 2 reviews · Experienced 2026-05-22 ·

Dimitri was very helpful when I was…

Dimitri was very helpful when I was refinancing my jeep. 10/10 communication

P
Pamela M · 1 review · Experienced 2026-05-22 ·

Amazing Service and even better Loan Specialist

Graham went beyond the customer service I have ever experienced. Graham was patient with me during this whole process. He took the time to make sure I understood the documents I was signing. Graham was understanding when it came to questions I had and took the time to answer them. If anyone ever gets lucky enough to work with him you will not be disappointed. The process was not overwhelming and fairly quick especially working with someone as dedicated to the customer as Graham. The experience in a whole has been great thus far! Thank you for all your help Graham. You are a great Loan Specialist!!

M
Mitch Morrison · 1 review · Experienced 2026-05-29 ·

Made it pretty smooth

Made it pretty smooth. Handled it good

Easy loan process

I was fortunate to have my application put in the hands of Alex Obenland. From the very beginning he guided me step by step through the process. He asked for the paperwork needed, and he was off and running. He worked tirelessly and endlessly to make sure I didn't have to. Thanks Rate genius for making some things simple again.

Process extremely stress-free

Process extremely stress-free, agent was transparent and answered all of my concerns and stayed in contact with me from the beginning process to the end. They have a new system in place that makes signing for wet signatures easier without having to go out and get a notary and mailing documents back. Very pleased with the level of service provided by Jacob who was my agent during my refinance process.

D
David Waltemyer · 7 reviews · Experienced 2026-05-27 ·

The experience with Rategenius …

The experience with Rategenius establishing a refinanced loan was very straight forward and relatively simple to accomplish. The process went as smooth as it possibly could and great on the two way communications. I would highly recommend them for this service.

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