[SkyHighinTX]

The interest rate can depend on a lot of factors including your credit score (FICO), the amount you are financing, the term of the loan, and in the case of GMAC the vehicle model (some models get promotional rates).

Often, a loan pre-approval and interest rate will be guaranteed for up to 30 days. That may vary from lender to lender.

Since the prime rate is steady or rising, I would not expect rates to go down any time soon. That said, if your credit score is decent you should be able to beat 9% pretty easily.

Good Luck!