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.
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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
J
Joseph Thomas Groves · 3 reviews · Experienced 2026-05-26 ·
★★★★★
She's Simply the best!
Carene was absolutely the best! She is the epitome of customer service. I feel like she was really looking out for me. Even on days when I was super busy and aggravated and I failed to have patience Carene was calm,understanding, supportive, helpful, and so professional. I would not want to deal with any other person she made everything so easy for me. She deserves a raise. Carene it was a pleasure you're a doll thank you for all you do. I wish nothing but good things for you.
T
Tria BROOKS · 1 review · Experienced 2026-05-19 ·
★★★★★
They help me lower my payment as much…
They help me lower my payment as much as they could.
Y
Yana Smith · 1 review · Experienced 2026-05-26 ·
★★★★★
Daniel was amazing he kept everything…
Daniel was amazing he kept everything rolling
R
RR · 1 review · Experienced 2026-05-21 ·
★★★★★
A warning to potential customers
Patrick did his job. He was professional, informative, and competent. As far as the company goes here is a warning to potential customers. My wife and I have excellent credit together. We clicked on the offer of $315.00 a month for 84 months but we were offered $388.00 a month for 72 months. Take it or leave it. Bait and switch without the pressure.
R
Ronnie · 1 review · Experienced 2026-05-22 ·
★★★★★
Logan was great at walking me through…
Logan was great at walking me through everything, made it easy considering I am not very good with online things.
S
Steven Quackenbush · 1 review · Experienced 2026-05-21 ·
★★★★★
Customer service was phenomenal
Customer service was phenomenal. Nikole was awesome!
Reply from Rategenius2026-05-21
Thank you so much for the kind feedback and the great review, Steven!
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Randi L. · 1 review · Experienced 2026-05-12 ·
★★★★★
Mick was great & so was rate genius
Mick was great! He made the process so quick, easy, no stress, and he was very quick to communicate. We would recommend anyone to rate genius and Mick.
Reply from Rategenius2026-05-22
Thanks for the awesome feedback, Randi, and for the 5 star review! Glad that Mick took such good care of you, and we look forward to working with you again!
E
Esme Bazan · 1 review · Experienced 2026-05-11 ·
★★★★★
They refinanced my auto loan and…
They refinanced my auto loan and offered me a better interest rate and lower my monthly payment. Everything was super fast and smooth. Thanks Paul
Reply from Rategenius2026-05-22
That's fantastic to hear! Glad we could get you some great savings, Esme, and thanks for the stellar review!
M
Mario Chacon Jr. · 3 reviews · Experienced 2026-05-14 ·
★★★★★
Process was fast and simple
Process was fast and simple, got a great new payment and an additional warranty coverage, Highly satisfied, thanks, Mario Chacon
Reply from Rategenius2026-05-22
Hi there, Mario. We appreciate you taking the time to leave such great feedback, and for the wonderful review!
They handled everything with ease and have me set up to pay less a month AND skip a month payment to get my finances in order. The entire team was wonderful and on top of things for me.
Reply from Rategenius2026-05-22
This is the kind of experience we always hope to provide! Thanks for the kind words, Tyler, and for the 5 stars!
R
Rod Fogle · 1 review · Experienced 2026-04-30 ·
★★★★★
Mick did a great job!
Mick was my primary contact and he did a fantastic job keeping me updated on things such as taking care of paperwork via phone and text and answering my questions. I am really happy as I was able to save some money on my refinance and the process did not take long at all. Appreciated the continuous follow up! Great job!
Reply from Rategenius2026-05-22
We appreciate you as well, Rod! Both as a customer, and for you taking the time to leave such detailed feedback. Thanks for the fantastic review!
Good morning Rategenius! I will have to say Wow, this is an incredible company… Joshua Briseno and his team worked very hard and quickly to make this loan happen. Joshua went above and beyond, very professional and kind, I recommend Rategenius for all your loans and business needs.
Thank you for your service!
Reply from Rategenius2026-05-22
Wow right back at you, Traci! We're so happy to hear that Joshua left you with such a wonderful impression! Thanks for recommending us, and for the 5-star review! We look forward to any chance to work with you again in the future.
M
MJ Holden · 4 reviews · Experienced 2026-04-13 ·
★★★★★
I live in SC which is a notary state
I live in SC which is a notary state. This means, you need to have many of your loan documents signed, notarized and returned to the lender. The team that handled my refinance were really on top of things. They kept me informed and on track through the entire process, which made it easier to get the docs I needed notarized and returned. They provided return shipping labels through Fedex so I did not incur any fees there and they reimbursed for the notary expense. Overall, it was a smooth process and I would use them again.
Reply from Rategenius2026-05-22
This is so lovely to hear, MJ! The thing we always hope for is to make the whole process stress-free for you, and that sounds like exactly what the team had in store. Thanks for the thorough feedback, and the stellar review!
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Alan Craft · 2 reviews · Experienced 2026-04-23 ·
★★★★★
RateGenius Agent was awesome
The agent was kind and helped to make the refinance process easy and painless. I would recommend RateGenius to anyone needing to lower their car payment.
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Roland Carmadelle · 1 review · Experienced 2026-04-30 ·
★★★★★
Easy and got my rates lowered
A
Amber Martin · 1 review · Experienced 2026-04-25 ·
★★★★★
I worked with Matt who was very…
I worked with Matt who was very pleasant and knowledgeable. I found RateGenius from Credit Karma. I was a bit skeptical at first but I am very pleased with my outcome. Got my loan rate lowered by 5% and my payment lowered $150. Needless to say if I ever need to refinance any other car loans will definitely be contacting them again. Process was very quick and easy. Couldn’t thank Matt enough for all his help.
L
Linda Gonzales · 2 reviews · Experienced 2026-04-21 ·
★★★★★
Great support and guidance
This company took the time to listen and knew that I needed to do. They helped us a great deal! I appreciate the time they took to help us refinance and paperwork was done quickly. They do a great job! Thank you
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