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Hi, Thank you for sharing your feedback. We understand your concerns regarding the interest rate. To recap, the annual interest rate is based on several factors, including the type of loan, your debt-to-income ratio, the loan amount, your credit score, and the loan term. Alternatively, you may consider making extra payments when possible. This can help you build credit, reduce the principal more quickly, and ultimately save on interest. The ability to pay off your loan faster can be a great advantage if you're in a position to do so. I hope this helps clarify things for you. If you have any further questions, please don't hesitate to reach out to our customer service team at 1-888-502-3279. Thank you, Customer Service