<prompt> Human: So I recently bought a used car. I researched the car buying process for months and found the right car for my budget. I thought I was doing everything right for the most part. I called around to a few banks USAA and Navy Federal Credit Union were my top two. Navy Fed gave me the best financing rates so I went with them. The day I went to get the car I stopped by the bank and they gave me all the paperwork with my financing and what not. My rate was 2.29. Fast forward to a few days later and I go online to check and see if my loan is the system yet, and it is. But my rate is completely different, its 5.29. I am in a spot right now where I can pay pretty decent sized amounts on my monthly payments so my question is, should I pay more than what my minimum is and if I do will that affect my loan positively in any way? I dont really have anyone I could ask. And also, should I look into refinancing in a few months a year? Thank You guys for your help.Assistant: Do you have any paperwork that says the rate is 2.29 is the rate which you agreed? If you do I would talk to the bank about this because they cant just switch out your rate like that Human: Thank you for your reply. I do have the paperwork and I went to the bank and demanded a sit down with someone and I showed her the paperwork and the lady said she couldnt do anything about it. She said she thinks the person who I talked to originally may have thought that I was purchasing a new vehicle. Which I have no idea why they would have thought that. Ive called the bank multiple times too and no one can throw me a bone. Its definitely a shitty situation, I just want to try and make the best out of it by possibly getting a better rate in the future. Im just not sure how.  <response>: Look all I can say is if you have a rate signed for said amount and it isnt a variable rate they cant change it without notifying you and offering you an incentive to agree to the terms. Look through the contract and see if you can find any reason for the increase. I would keep up the fight of trying to get someone to hear me at the bank 