# Rate: Home, Finance & Wellness — Loans, travel, fitness & gear

> All-in-one app for mortgages, loans, home value, and daily wellness. (iPhone/iPad app by Guaranteed Rate, Inc..)

- Source: https://appshunter.io/ios/app/rate-home-finance-and-wellness/id1630195034 (this page in markdown: same URL + `.md`)
- Developer: [Guaranteed Rate, Inc.](https://appshunter.io/developer/1095419624)
- Category: Finance, Health & Fitness
- Price: Free
- Rating: 4.90/5 from 2,515 App Store ratings · 72 written reviews indexed
- Age rating: 4+
- Requires: iOS 17 · 111 MB
- Languages: American English, European Spanish
- Released: 2023-01-24
- Data updated: 2026-08-29
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/rate-home-finance-and-wellness/id1630195034/reviews.md

## What is Rate?

Rate is a next‑generation mortgage, auto, and wellness app that connects your home, finances, and daily wellbeing in one seamless experience. With fast approvals, intuitive tools, and a growing library of wellness and lifestyle content, Rate helps you move confidently through every part of life — from buying a home to improving your health.

Homeownership & Lending:
-Apply in minutes for a mortgage, refinance, HELOC, personal loan, or auto loan. 
-Explore homes for sale and check your home’s estimated value. 
-Track every step of your loan through the Loan Center with real‑time updates. 
-Connect with dedicated mortgage advisors and access insurance options for home, auto, pets, umbrella, and more.

Auto Loans:
-Browse vehicles by make, model, and body style. 
-Get instantly pre‑qualified and receive a printable voucher to bring to the dealership. 
-Compare financing options and shop confidently with clear terms.

Wellness, Lifestyle & Performance:
-Explore Yoga Yard flows, Zen Den meditations, Sleep Sanctuary soundscapes, and the 7‑Day Sleep Harmony series. 
-Train with athlete‑led programs including Train Like a Champ and Outdoor Studio workouts filmed in Miami and Chicago. 
-Build healthier routines with Nutrition Kitchen meal plans and Guru Garden mindfulness sessions. 
-Shop RateFit — premium performance apparel designed for movement, comfort, and everyday wear. 
-Discover Rate Outdoors for saunas, cold plunges, outdoor showers, and backyard wellness essentials. 
-Plan your next trip with Rate Travel, offering flights, hotels, and experiences directly within the app.

Your Life, Connected  Rate brings together your financial tools, wellness routines, lifestyle products, and daily decisions to help you live more balanced every day.

Rate Personal Loans:  
Loans are made by Rate, Inc. (NMLS ID 2611).  You must be 18 years of age or older (19 years of age or older in Alabama). To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa. You must meet our minimum requirements established for this offer including, but not limited to, credit history, debt-to-income ratio, and application information. Your actual rate depends on your requested loan amount, loan term, creditworthiness, and a variety of other factors. Repayment options range from 1 – 5 years. Loan amounts range from $4,000 - $50,000. Standard fixed rates from 8.99% to 19.99% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, standard fixed rates range from 8.74% to 19.74% APR. Rates and loan amount may differ due to state-specific requirements and may impact your ability to qualify for a loan. Limitations: FL, ME, NC, TX, VT, PA, and CT (rate); IL, MA, CA, RI and NM (amount); OH (duration). The lowest rate advertised is reserved for the most creditworthy borrowers. Advertised rates and terms are current as of 01/13/23 and are subject to change without notice. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities. Personal loans are only available in AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, IA, KS, LA, ME, MA, MI, MD, MN, MO, ND, NC, NH, NJ, NM, OH, OK, PA, RI, SC, TN, TX, UT, VT, WA, and WY as of 01/13/23. Loan applications outside of these states will not be accepted at this time. To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa.

## Key features

- Mortgage and refinance applications
- Auto and personal loan applications
- Home value estimation
- Loan tracking
- Meditation and sleep soundscapes
- Fitness and nutrition content

## What do users think of Rate?

Overall sentiment: neutral

**Pros**

- 👍 Easy to use
- 💡 Includes wellness and financial content
- 🚀 Intuitive navigation
- 👍 User-friendly interface
- 👍 Helpful financial tools
- 👍 Great customer service
- 👍 Smooth mortgage process

**Cons**

- 🐛 Login and verification issues
- 🐛 Difficulty making payments through the app
- 🐛 Lack of communication from mortgage advisor
- 🐛 Excessive verification steps

**Commonly reported bugs**

- Login screen freezes
- Incompatibility with older devices

**Most requested features**

- Streamlined login and verification process
- Ability to make loan payments directly through the app

## Recent user reviews (10 of 72)

All indexed reviews: https://appshunter.io/ios/app/rate-home-finance-and-wellness/id1630195034/reviews.md

### 5/5 — Good

*2026-06-16, version 28.0*

Good

### 5/5 — Great app

*2026-06-14, version 28.0*

Get it now

### 4/5 — Very good!

*2026-06-09*

This app was very helpful and replaced like four different apps that I would be using. It’s a very good app to have and use on your phone to help out.

### 5/5 — 10/10

*2026-06-09, version 27.2*

Great app, very useful, definitely recommend

### 5/5 — Googgbbb

*2026-06-07, version 27.2*

Bebsnwne

### 4/5 — idk

*2026-06-04, version 27.2*

it’s mid

### 5/5 — good

*2026-06-02, version 27.2*

great

### 5/5 — Amazing

*2026-05-30, version 27.2*

Amazing

### 3/5 — Amazing

*2026-05-26, version 27.2*

Amazing

### 4/5 — Not bad!

*2026-05-24, version 27.1*

Found this app through my app “Eureka” not a disappointment!

## Frequently asked questions about Rate

### What does the Rate app do?

The Rate app combines home financing, personal loans, and wellness resources. It allows users to apply for mortgages, refinance, personal loans, and auto loans, explore homes for sale, check home values, and access a library of wellness content for mind and body.

### What are the key features of the Rate app?

Key features include fast loan approvals for mortgages, auto loans, and personal loans, a seamless digital platform for managing finances, tools to explore homes for sale and check home values, and a dedicated Loan Center for tracking loan progress. It also offers wellness content like meditation, sleep soundscapes, and workout programs.

### How much does the Rate app cost?

The app itself is free to download and use, offering access to its financial and wellness features. While the app is free, the financial products like loans and insurance will have associated costs and interest rates based on individual qualifications and loan terms.

### What kind of loans can I apply for through the app?

You can apply for a mortgage, refinance an existing mortgage, personal loans, Home Equity Lines of Credit (HELOC), and auto loans directly through the app. Loan amounts and terms vary, with personal loans ranging from $4,000 to $50,000 with repayment options from 1 to 5 years.

### Who is the Rate app designed for?

This app is designed for individuals who want to streamline their home buying or refinancing process, manage personal and auto loans, and integrate daily wellness practices into their lives. It's for those seeking a convenient, all-in-one solution for their financial and wellbeing needs.

## Version history (last 5 releases)

### 30.6 — 2026-08-26

This update expands Rate’s lifestyle, wellness, and performance offerings with new shopping experiences, new content categories, and a new Train Like a Champ personality.
RateFit Our new athleisure and lifestyle apparel brand, RateFit, is now live, first purchasers receive a 10% discount when you sign up.
Rate Outdoors Discover Rate Outdoors, offering indoor and outdoor saunas, cold plunges, outdoor showers, and premium outdoor furniture for your home.
Sports Performance Content A new video series category is now available, featuring tips for sports including golf, pickleball, tennis, and padel.
Train Like a Champ – Tyson Bagent, quarterback for the Chicago Bears, is now featured in the Rate App.

### 30.5 — 2026-08-24

This update expands Rate’s lifestyle, wellness, and performance offerings with new shopping experiences, new content categories, and a new Train Like a Champ personality.
RateFit Our new athleisure and lifestyle apparel brand, RateFit, is now live, first purchasers receive a 10% discount when you sign up.
Rate Outdoors Discover Rate Outdoors, offering indoor and outdoor saunas, cold plunges, outdoor showers, and premium outdoor furniture for your home.
Sports Performance Content A new video series category is now available, featuring tips for sports including golf, pickleball, tennis, and padel.
Train Like a Champ – Tyson Bagent, quarterback for the Chicago Bears, is now featured in the Rate App.

### 30.4 — 2026-08-21

This update expands Rate’s lifestyle, wellness, and performance offerings with new shopping experiences, new content categories, and a new Train Like a Champ personality.
RateFit Our new athleisure and lifestyle apparel brand, RateFit, is now live, first purchasers receive a 10% discount when you sign up.
Rate Outdoors Discover Rate Outdoors, offering indoor and outdoor saunas, cold plunges, outdoor showers, and premium outdoor furniture for your home.
Sports Performance Content A new video series category is now available, featuring tips for sports including golf, pickleball, tennis, and padel.
Train Like a Champ – Tyson Bagent, quarterback for the Chicago Bears, is now featured in the Rate App.

### 30.3 — 2026-08-17

This update expands Rate’s lifestyle, wellness, and performance offerings with new shopping experiences, new content categories, and a new Train Like a Champ personality.
RateFit Our new athleisure and lifestyle apparel brand, RateFit, is now live, first purchasers receive a 10% discount when you sign up.
Rate Outdoors Discover Rate Outdoors, offering indoor and outdoor saunas, cold plunges, outdoor showers, and premium outdoor furniture for your home.
Sports Performance Content A new video series category is now available, featuring tips for sports including golf, pickleball, tennis, and padel.
Train Like a Champ – Tyson Bagent, quarterback for the Chicago Bears, is now featured in the Rate App.

### 30.2 — 2026-07-21

This update expands Rate’s lifestyle, wellness, and performance offerings with new shopping experiences, new content categories, and a new Train Like a Champ personality.
RateFit Our new athleisure and lifestyle apparel brand, RateFit, is now live, first purchasers receive a 10% discount when you sign up.
Rate Outdoors Discover Rate Outdoors, offering indoor and outdoor saunas, cold plunges, outdoor showers, and premium outdoor furniture for your home.
Sports Performance Content A new video series category is now available, featuring tips for sports including golf, pickleball, tennis, and padel.
Train Like a Champ – Tyson Bagent, quarterback for the Chicago Bears, is now featured in the Rate App.

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## More apps by Guaranteed Rate, Inc.

- [GR Loans](https://appshunter.io/ios/app/gr-loans/id1098208859)
- [Toto - Mobile Loan Officer](https://appshunter.io/ios/app/toto-mobile-loan-officer/id1473468274)
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All apps by Guaranteed Rate, Inc.: https://appshunter.io/developer/1095419624

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*