RateGenius: Mixed Reviews Reflecting Varied Customer Experiences

Trying to set up car insurance, I’m told I have to do everything via phone, have been asked to send private documents via text message, even when I can talk to my agent, Andrew Lawlor, I’m constantly asked for more and more documents that he never told me I needed. It’s been a 3 week process now and documents are signed, but now Andrew Lawlor is telling me that my rates are going to CHANGE?! No. The documents with the rates are SIGNED! He should never have had me sign the documents if he needed more paperwork submitted. Extremely unprofessional, he is a horrible agent. This is so unprofessional and causing so much distress. Would NOT recommend.

I submitted an application to refinance my 2023 Bronco Raptor in response to a mailing I received from RateGenius on a Tuesday and when I checked the application status on Wednesday morning, it showed as canceled. I did not receive a notice of adverse action nor any update that my application status had been changed (and yes I checked SPAM). When I contacted them to find out what happened, I was given this explanation "Unfortunately, we were unable to find you an approval for the application due to the value of the vehicle being less than what’s still due on the loan. The payoff balance on the vehicle is too high for our lenders and they might require a large down payment to cover any negative equity. I apologize for any inconvenience, and we hope to serve you in the future." Naturally, I checked myself and the valuations for my vehicle on KBB and Consumer Reports were between $3,700 and $22,000 above my principle balance for the average and most optimistic valuations respectively. In addition, my principle balance is $6,000 lower than the original amount financed. When I asked what valuation was used on my vehicle, I was told that they could not provide this information in an email. My advice is to avoid doing business with this company as they lack transparency, credibility to deliver as advertised and the professionalism to communicate outcomes to potential customers.Jan 5, 2024 Update: I received a message from from RateGenius yesterday morning indicating that my application has been submitted for approval even though it was canceled on Jan 3, 2024 and still reflects that status as of today. Simply ridiculous.

Applied in the evening. During the application process it was sent to AUTOPAY, assuming one of their lenders. Which ironically I had received a pre-qualify letter from. The NEXT DAY I received 50 SPAM CALLS with no messages, & an email stating they needed $3200.00 to refi my auto loan. I AM REFINANCING NOT BUYING. Stay Away from the shenanigans.

just nowNEWWas told via text message on monday that my app was approved and to call my loan specialist kaitlyn mcgree. Now today is Wednesday and my loan specialist has not return any of my 4 messages or 3 text messages. I will be using a different platform for my refinance thanks for the hard inquiry for nothing!

It was smooth process. Easy to understand. Good rate for my auto loan needs. The agent Joseph Hernandez was extremely professional and patient in explaining details and every step. One thing that I did not like so much that they only provided me offer from one single lender and there were no options to choose from. But I am fully satisfied with what service I got from rate genius.

I’m only giving them 1 star because 0 is not an option. We recently sent in all of our information to this lender and we’re all set up to refinance our truck. After everything was sent, we received no more information about our vehicle. Dennis Ortiz did all of our paperwork, and we never heard from him again. Over a month of trying to get ahold of him, or anymore and no one returned our calls. Absolutely the WORST customer service and company I have ever dealt with. If you’re looking for a place with no help, no way to get in contact with anyone, and a complete waste of your time, this is the place. If you’re trying to save money… I would look elsewhere.