We work with multiple banks to offer the best possible choices.By providing the information in this application and clicking on the 'Click to Complete and Start Saving!' button and the “I Agree to these Terms and Conditions” box, the applicant and any co-applicant ('I,' 'me,' and 'my') each agree that: (1) I received and read the State Disclosures and the OpenRoad Lending Privacy Policy (2) I received, read, and agree to the Consent for Electronic Disclosures and all other Terms and Conditions for this application shown above and (3) I understand that I could have multiple inquiries on my credit report through this process and I am granting OpenRoad Lending and its partners permission to access my credit report to determine if I qualify for refinancing my existing auto loan, and (4) I provide express consent to receive autodialed/prerecorded calls/texts regarding financial services or other credit related offers from OpenRoad Lending or one if its third party lenders or affiliates at any number I have provided (consent to be contacted is not a condition to purchase services).As far as multiple inquiries, they have no impact on your credit score as evidenced by this article from Experian but you can find many articles that confirm this same information. When you applied you agreed to this language on the application which is right above the submit button (#3 specifically). Some of these affiliates may offer or arrange dealer financing rather than a direct loan from a lender.I expressly grant OpenRoad Lending and its third parties, affiliates, agents, service providers or assignees the authority to call and/or email me with questions related to this application and share information about other products and services available.I authorize OpenRoad Lending and its lending partners, automobile dealers, third parties, affiliates, agents, service providers or assignees to obtain such additional information as may be required, including credit reports, in order to complete the processing of my application. Again, I do apologize for the poor experience and hope we can earn your business sometime in the future. The OpenRoad Lending TeamI agree that OpenRoad Lending may forward this application and my financial information to one or more third party lenders, dealers, affiliates or others that may be able to offer me, or assist me in finding, financing or other products that meets my needs. Your name from that happening anymore in the future. When you completed your application with us, you gave us permission to pass your application along to other parties if we were unable to assist you in refinancing your vehicle. ,Thank you for voicing your concerns with the additional credit inquiries. This was already addressed directly with the customer and with a review. We can get to the lessor rate if you will pay down your principal by only $550. Again I am sorry we couldnt meet your expectations but we are lowering your current interest rate by 6% and saving you thousands of dollars over the life of the loan. You work for a dealership and not a finance company so you have differing abilities to deal with payoffs so it is apples and oranges. If you complete the process quickly any overage will go back to you, not to us so there is not any incentive to have a high buffer other than to protect us of being short. We have done this for almost 20 years and it is our experience, along with our competitors, to increase the 10 day buffer because customers tend to drag their feet in returning and signing documents. If you are still interested, we can offer you the 10.99% rate if you make a one-time $550 principal payment to your.

As stated above your LTV (without any buffer) was over 104%. I am sorry we couldnt give you the 10.99% rate as is but that was only if your loan to value (LTV) was 100% or less.

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