RateGenius

mrcpk16 

on Creditkarma

9 years ago

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. 

Anonymous 

on Creditkarma

9 years ago

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

polygraph50 

on Creditkarma

9 years ago

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

Anonymous 

on Creditkarma

9 years ago

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. 

Warmoceambreeze 

on Creditkarma

9 years ago

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! 

mth712 

on Creditkarma

9 years ago

Don't waste your time If you already have a loan under 5% and decent credit don't waste your time. The teaser rates on here are a lie. I applied and didn't hear anything for a few days. They came back with a higher rate and longer term than I already have. I am at 4.89 for 60 months and they came back at 4.99 for 66 months. No where near what they show for my credit score on credit karma. They add on gap and ding your credit multiple times. Crappy website and poor communication. 

Raptor1968 

on Creditkarma

9 years ago

Not good While your service found me a halfway decent loan, the representative who helped me did not deliver on his promise. He told me about a 3 year warranty. I asked for it. I jumped through way more hoops than I ever should have, only to have him tell me at the end of the process that he goofed and that he didn't submit my request to add the warranty until it was too late. Instead he and others at your service were too busy hounding me for documents I submitted on day one. Such as pay stubs and copies of my driver's lice... read more

Anonymous 

on Creditkarma

9 years ago

Very Easy Was originally approved by Capital One via the web to refi my loan at a lower rate but then they rescinded because I was already a customer. I asked if they would rather lower my rate or lose me as a customer. They chose to lose me as a customer and rategenius found me an even better rate for the remainder of my existing loan. I am saving almost $105 a month. 

Raptor1968 

on Creditkarma

9 years ago

Not good While your service found me a halfway decent loan, the representative who helped me did not deliver on his promise. He told me about a 3 year warranty. I asked for it. I jumped through way more hoops than I ever should have, only to have him tell me at the end of the process that he goofed and that he didn't submit my request to add the warranty until it was too late. Instead he and others at your service were too busy hounding me for documents I submitted on day one. Such as pay stubs and copies of my driver's lice... read more