They rate offered to you , was presented to you prior to your purchase. Just like we sold the vehicle for MSRP, 3.5% was the lowest rate we will offer on the vehicle you purchased. In addition you saved $500.00 off the price of the vehicle. I am sorry that your disappointed in the rate you recieved but all we can do is show you up front what we are willing to do, to sell the vehicle. We did this , in advance and you agreed to those terms. There is no early payoff penalty and you can refinance the vehicle if you wish. We hope that this explains your concern, we do value your business. Thank you, Tony Grist