Thanks for your comments Madeliene and your business. Sorry that the final rate was a little higher than your initial approval. Sometimes factors that we may not have at the beginning, such as the Kelley Blue Book value of the vehicle you are refinancing, can impact the final rate. I am glad, however, we were able to save you $100 per month on your car payment. Thanks again from the OpenRoad Auto Loan Savings Team and enjoy those savings!