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Originally Posted by Butch
Shouldn't matter. The loans are pretty commoditized - I can shop around and they would miss out (which is what I'll be doing).
I certainly expected my rate would be higher this year due to the increase in perceived volatility and risk with the loan, which is represented by the increase in their best rate.
However, there is still no explanation why someone with an 800 credit score would get a rate that it's in the middle of the pack for what they're offering.
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Why would they offer you the best rate they have out of the gate? I've found that most credit card companies and banks leave plenty of room for negotiating. Were they willing to give you the best rate they offer after calling them?