They tried to mark up the rate. It happened to me a while ago. The worst part is you can't protect yourself from this. You have two options, whether you take the loan or not.
In the beginning, they put a lot of questions sort as "
what is credit scores?" or "do you have any debts?". And in the end, they anyway try to make a fool of you. Being in such a situation I decided to give up on their loan. Many banks offer loans faster at better rates possible.