We have heard this promise from time to time as well. Just as with guaranteeing approval, this claim should cause you to question the credibility of the source. Rates are set and offered by the lending institutions based strictly on the customer’s creditworthiness. By approaching our many lenders, we often receive several loan offers at different rates and they will all be competitive based on your credit circumstances and the lender’s requirements at that time. We can and will get the best rate that each particular customer is able to qualify for.