I declined their "Congratulations, you've been approved." NO THANKS. I bought my car three years ago when my credit score was in the low 500s and my APR is 13%. My score is 758 today, but Roadloans offered to refi my (36 months left) loan for 72 months at a higher rate than I'm paying now. Only reason I applied was to avoid the multiple inquiries of RateGenius. Now I'm mad I'm getting a hard inquiry for this application. I called them and they said they had no other offers for me. If I was desperate to lower my monthly payment, I guess I'd bite and pay them way too much interest for way too long. But I'm simply looking for a lower APR. UGH.