Was this over the weekend? If so. Business hrs I'd think would be at play here. If you paid off the one loan. Why take out another? Good Luck.
Try to remember finances over FICO. You may have rolled into a better rate, but the total savings is going to be related to the term, too. If you were half way through the original loan and now extended the new loan to the full term of the original, you're making payments much longer and paying lots of interest again.
Remember that loans are amortized heavily to pay the most interest up front and back loaded to pay principal late. Depending where you were in an original loan impacts your overall savings. Hopefully you factored this and took a shorter term on the new loan.
