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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 |
It did thake them 4 days to get me Approved, more than the 2 day period it took my friend Richard to get Approved. The Good News is that my rate went down from 11.25% to a fixed 5.9% thus lowering my payment about $45 dollars. Richard must be Blessed, however becuase he went from a 17% to a 3.9% fixed and Dropped his payment.... wait for it.... wait for it. from $678 to $538! He is Stoked to say the least.
Don't waste your time applying for a refinance loan with Rate (No genius). The woman taking the application was rude and abnoxious, promised to call with a decision, never happened. Sent an email saying "denied' never gave any explanation, even though I was prequalified for a loan from a nationwide credit union. Emailed them back for an explanation, they never replied. In my opionion, they are an unprofessional and uncredible establishment. There appears to be a number of complaints about them.....Credit Karma should do its ... read more
It took 15 mins to apply online- ok with that they called me 2 times: first call:to have more info, social security, salary, rent fees, etc, year of the car, milage, color, model, etc... Offered me car insurance, I said NO at first, offered me GAP, I said NO quickly. two days later: received same phone call asking if my car has alloy wheels, sunroof, leather seats, navigation, electric windows, satellite radio... REALLY? I asked the lady, you need allthis info for a car loan? She said "yes". Anyways, 24 hrs later my applicat... read more
TOTALLY USELESS.... Apparently they get paid to create a hard inquiry on your Credit Report. My credit score is 724 and they denied me for refinance. I'm not sure what business these people are in but if I had it to do over again I wolud not give them my Credit Information. After they denied me they continue to run inquries on my credit report. STAY AWAY FROM THESE PEOPLE.
I spoke to Fred and all sounded fine over the phone, I signed my paper work. Took it to UPS and mailed it with a Next Day UPS tag. My package some how got loss at Rate Genius. I gues there are no Geniuses there. They wasted my time and took away my trust. If you cant process overnite forms, Its a blessing and a warning NOT to do business. I was almost late for the 1st time messing with this business that smells like a scam .
3RD time to use them. This 3rd time, girl taking application is a jerk. Promised a call back that never happened. I get an impersonal email at 11pm stating I cancelled my application. I called at 3 the next day to find I did not qualify this time. RUDE, IMPERSONAL, LIARS, RATEGENIUS IS GOING DOWN THE TUBES. Chris, you need to hire me to fix your internal problems. Your company is nothing more than the worst collection agency out there. I hope you like the complement but your company deserves it.
Site doesnt even list the Ford Edge on it.
Completely useless. They must just have a web site to draw advertsing money. Do not waste your time with this company as they are not relly in the business of lending. i had a very ordinary refi application on a car with equity. This was not a big bucks loan, under $11,000.00 I could have placed this on a credit card but figured i would get a lower rate. Bottom line, another entity claiming to be a lender but not really.
I applied for auto refinance loan at Rate Genius. They seemedmore interested in selling me auto insurance. They did not notify me of their decision regarding my application- I was able togo to their site and find that my loan had be denied (which is fine) but there was no specific reason for the denial. Isent the company a email through their web site requestingthe specific reason for the denial-I did not get a response. It seemed to me they really wanted to sell insurance rather than make an auto loan.
Frequently asked questions about RateGenius
How is RateGenius rated?
RateGenius has a 4.5 star rating with 15,233 reviews.
When is RateGenius open?
RateGenius is closed now. It will open at 9:00 a.m.