How to get a personal loan with low interest rates

To secure low interest rates on a personal loan, a high credit score, stable income, and low debt-to-income ratio are crucial. A FICO score above 740 can secure better rates, and lenders often require clean financial backgrounds. Check your credit score, pay down debt, research lenders, and consider discounts like autopay incentives. Interest rates depend on credit score and loan terms, with those above 800 receiving the best rates.