They lure you in with a low interest rate, then when you go to accept your loan offer, the interest rate suddenly increases to a higher amount. Classic bait and switch. If I didn't already have a hard pull on my credit score, I probably would have called the bank directly, scratched the existing application, and filed a new one directly with the bank (for a lower rate). (And yes it is possible because that's what I did with my MIL's student loans when I refinanced hers). I didn't do that for myself because 1) the loan that I was refinancing wasn't that large so it wasn't worth it for me (it would have only saved me a few hundred dollars over the course of the loan, I was simply looking to lower my monthly payment). and 2) I am looking to buy a house within the next year, so I didn't want to have 3 hard pulls on my credit report (1 existing, 1 through credible, then another one through the bank directly), so I just completed my existing application through credible to save myself a dip in my credit score. If you could afford 2 hard pulls on your credit report (as in you don't have any currently) then that's what I suggest doing. The only thing this website is good for is comparing lenders. Oh and their customer service was awful. I almost hung up on the guy because he was so incredibly rude.