Yeah that's the problem with Poloniex's auto renewal function.  Rates will go up, but the auto renew is well below the asking rate.  I was in disbelief at all the auto renews less than 0.1% during the hardfork when they could've made MUCH MUCH more.  They lost a potential 20x profit because of that.

I still have 2-4% interest loans still running on Polo that I wouldn't have gotten normally, and have Polobot to thank for that.