OpenRoad Lending www.betterRateandPayment.com Bait and Switch Refinance Offer Lying about APR Fort Worth Nationwide

The continuosly send offers to refinance your current car loan at a significatly lower APR. For example my current APR was 8.9% and they offered a prequalified rate of 3.99%.  They do have an *asterisk with it that reads to the affect of " this offer valid as long as your credit score doesnt change or your income.

Well my wife and I looked up the company and saw they had some negative reports but also had more positive so we gave it a try.

Upon filling out app we were contacted the next day with a rate of 8.69%, which is .31% lower than we are paying which amounts to $30.  When we told them our credit scores were good and still the same and that we had no changes in income or reporting, they said "well we dont have all the information when we offer. 

This is a RIPOFF and is misleading and predatory marketing.  They are just attempting to get people in and get them to switch to save 20 or 30 bugs and they get the loan with far fewer hospitalities and options than your first lender.  DO NOT APPLY IF YOU GET THE FLYER.  They hard inquire your credit report which counts against you and they dont approve you for what they offered.