lowermycarloan.com lowermycarloan.com openroad lending Refinance your car for more money and higher interest North Richland Hills texas

I was sent a pre approved restructured auto loan for my car. I have terrible credit so I financed my car at 18.48% because I had no choice and needed a car asap. My credit is very slowly building up but still below a 540 but I thought I would try refinancing, I was denied but recieved this openroad lending letter in the mail. It showed they could reduce my rate from 18.48% to 13.99% pre approved thus reducing my monthly payment by $45 a month. I decided it wasn't as much reduction as I wanted but I would still go for it. I went to the link they provided from my pre approved loan and filled out the information. I recieved email back the next day saying "Congratulations - Your Refinance has been Approved". Ah at last a sigh of releif let's get this over with, I click the email to find this...

"The details of your refinance pre-approval are below:
– Your Current Rate: 18.48% 
– New Rate: 18.65% 
– Your Current Payment: $359.00* 
– New Payment: $362.18* 
– Term: Determined by you. Available from 24-72 months* "

Are you KIDDNG ME?! You want me to refinance for more and pay more every month for no reason? What kinda joke is this? You said in the letter I've been pre-qualified for a new intrest rate of 13.99% What a waste of time.