Jane goes to her local bank to discuss an automobile loan. Jane is unsure about borrowing money right now and asked the lender if she should be worried about interest rates changing. Which of the following is the best advice the lender could give Jane?

Interest rates change and recently they have been at their historical lows.

Interest rates have generally been decreasing for the past 100 years.

Interest rates generally stay the same so there is no need to worry about changes.

Interest rates change but recently they are above their historical average.

Interest rates change but the only factor is Janes credit risk