This profile has been claimed by the business owner or representative.
RateGenius
- Auto Loan Providers
- Austin, TX
About this business
RateGenius is a nationwide online lending platform. With more than 150 competitive lenders, rateGenius can find customers the most competitive vehicle interest rate to refinance their loans on cars, trucks, and SUVs.
Location details
9300 United Dr, Ste 180, (Spicewood Springs Road), Austin, TX, 78758, United States
Get directions| Weekday | Schedule | Status |
|---|---|---|
| Mon | 7:00 a.m. to 8:00 p.m. | |
| Tue | 7:00 a.m. to 8:00 p.m. | |
| Wed | 7:00 a.m. to 8:00 p.m. | |
| Thu | 7:00 a.m. to 8:00 p.m. | |
| Fri | 7:00 a.m. to 8:00 p.m. | |
| Sat | 9:00 a.m. to 6:00 p.m. | |
| Sun | Closed |
Hit my report hard!. If you don't want multiple hard hits on your credit report then DO NOT APPLY! I knew I would get one hit from them when I applied. But 24 hours later and looking here on my report I see 5 hard hits on my report. Poor disclosure. And now it makes me not want to even use these guys at all. What else will be disclosed poorly?
Car Refinance Process was easy, online, via text and email. Small fee ($15) wasn't advertised and they were unable to get the rate that was advertised. It said 1.99, I got 3.25, and balked so they found a 2.99 rate. Good service, but it's not 100% as advertised.
changed interest rates Emailed me stating they would offer a better interest rate. When I called to accept I was told the rep had made a mistake, that the interest rate would not be higher. Very difficult to get a return call...left 3-4 messaged and had to be transferred before the rep would talk to me.
approved then changed interest rate I was approved at a lower rate then my current loan. When I called to accept i was told the rep made a mistake, the interest rate was now almost 2% higher. Bait and switch tactics.
approved for one rate then increased it Company was quick to sent the "congratuations" email. Called the rep numerous times, never returned my call, had to call back and be transferred (magically free). When I stated I wished to accept her offer I was told "she had made a mistake" the interest rate was not almost 2% higher. Your bait and switch in action.
Not worth the credit inquiries I applied, they could only lower my rate 1%. Which I was okay with at first because the payment would be lower and I could still pay what I was paying on previous loan. (I was looking to pay less in interest overall, not necessarily lower the payment) until I received the paperwork. They were going to charge me for GAP insurance which they claimed was included but didn't mention that it would be rolled into the loan. Why would I want to pay 5 years of interest on that? They were also going to r... read more
Be Informed Get ready for multiple credit checks on your credit report. They like to push GAP Insurance, though not necessary. In my case, since I'm self employed, they wanted two years of tax returns and copies of my Profit and Loss Statments. I'm applying for an auto refinance not a home refinance. I'm not sending you 70+ pages of tax returns and P/L Statements. I'm happy with my current auto financing. They didn't ask for all of this information. Not worth my time and effort. The rep was nice, but becasue of the requireme... read more
Refused without a reason It is not fun when refuse you without explanation and customer service representative does not know noting about it. BTW my credit score is little bit over 740.
Swarmy, bait and switch to refinance Read the fine print of their refinance offer. It would cost me thousands to refinance at a lower rate than I pay and my loan would have extended a few more months. Seemed desperate for my business, rep contacted me by texting me and calling too much. I quickly declined to refinance, beware!
Frequently asked questions about RateGenius
How is RateGenius rated?
RateGenius has a 4.5 star rating with 15,230 reviews.
When is RateGenius open?
RateGenius is closed now. It will open at 7:00 a.m.