RateGenius

Anonymous 

on Creditkarma

10 years ago

Fake I applied and received a call back in 2 days. When they tried to push a higher payment on me I said no as your website stated you can lower my payment and interest rate they said well we can't but this is a great deal. I said when you find me a "great deal" call me back. That was 2 weeks ago. No call back 

HappyforNow 

on Creditkarma

11 years ago

Application process is too stressful The reason I rated them a 3 stars is because of the customer was great but all in all the application process was way too stressful just to refinance my car. My current APR is 9.59 and Rate Genus approved me with one of there lenders for 3.14 APR which I was excited about at the time. They kept asking for way too much information and nothing I gave them was good enough. They need prove of income, prove of child support which I happily gave them. It seemed like every time I turned around t... read more

GottaLoveIT 

on Creditkarma

11 years ago

Incredibly awful application experience Ultimately it came down to rateGenius and Logix Federal Credit Union telling me, that although I qualified to refinance my car based on my credit score, the fact that I am employed full time through a staffing company (as an I.T. Systems/Network Admin) means to them that I cannot prove the income I make, even though my paystubs (paid weekly) show that I do. I know the concept of a staffing company might be foreign (sarchastic) but really, I prefer working as a consultant. The only draw... read more

LRB1453 

on Creditkarma

11 years ago

Horrible customer service The customer service was absolutely terrible. I ended up calling the credit union they got me approved with. When I dealt with the credit union directly I got a better rate and received much better customer service. The credit union was logix federal credit union. I dropped my rate from 12 to 3 by refinancing. 

dbatl2012 

on Creditkarma

11 years ago

They did get my rate lowered BUT .... I received a mailer from Rate genius for a "Pre-Qualified" refi on my car with Xcel CU at 8.5% my current rate is at 10.95. I applied online and it took about 2 or 3 days to hear back from them. I got an email stating that I was "approved" however it was NOT an approval for the actual refi but approved that they would work with me. The next day I received a phone call from the rep who was very courteous and I grilled him about the entire process. He was upfront and told me that they woul... read more

Knights324 

on Creditkarma

11 years ago

Know What You Are Getting Into 1. My rate and payments went down. That is the whole reason I refinanced. 2. Everything can be done online so it's easy. 3. I was not contacted during the time frame that I discussed with the representative, Morgan Motley. I addressed the issue and he argued with me and told me that I wanted to be called throughout my work day. 4. I was told to submit a check for $40 to open a savings account at Air Force Federal Credit Union. The fee from AFFCU is $5.00. The additional $35.00 is unaccounted fo... read more

Anonymous 

on Creditkarma

11 years ago

Disclosure form Why does the disclosure paperwork have an e for estimate next to the rate, payment and term? I'm a bit nervous knowing this is an estimate. Thirst numbers should be final at this point. Not hearing back from loan officer Rick. Anyone else? 

DKFIRE 

on Creditkarma

11 years ago

$30.00 fee ???????? Im being asked to send a check for $30.00 made out to rategenius for a membership fee? 

Anonymous 

on Creditkarma

11 years ago

They will trick you!!. After receiving my statement showing what I was being charged for I saw an additional fee for around $800 for each of my vehicles. I found out that Rategenius had me singed up for GAP and Life insurance. The problem is I wasn't aware I signed up for this nor did I want this coverage. After checking out my paperwork I found out what happend. After talking to the loan officer (with nothing being mentioned about GAP or life insurance) he put my loan documents together and sent them to me with instructors ... read more