Amazingly Happy with Jenius Bank. After a few months of searching I had multiple loan companies giving me an average of 15% up to 29% interest with a few offers near 11 and 12 with 2 interest rates including an average of $3500 origination fee. My loan payoff of $28000(which i was looking to refinance of $1006 per month) was already just above 15% w/an APR of 18.4. So I kind of gave up until I got an email about a month later from Credit karma which promoted Jenius bank. I never heard of them. The process was really smooth, Honestly don't remember having to upload any work related documents, but they did want access to my bank account, reluctantly I gave it to them as it all seemed legit. There was a bit of trouble with my face recognition on their system or more likely my android phone...so I called them and the customer service girl got me through it no problem. Within 3 days I got my $33,000 in my bank. It's just one simple interest rate at 10.49, No origination fee. My new payment is $619.47 per month. My credit score is about 718, and I make $73500 per year. So, It doesn't make any sense to me.....all these bad reviews. I've talked to 3 customer service girls and they are all so smart and helpful.
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