1. Maintain a good credit score by having a consistent payment history. This will reduce your APR as well.<\/p>\n
2. Another foolproof way is to refinance the loan to a lower APR, a long term or both.<\/p>\n
3. If your credit score isn\u2019t good, have a credit worthy co-borrower. This means lower risk for the lender as well as lower APR for you.<\/p>\n
4. Always negotiate the APR with the lender (having a good credit score will help with the negotiation).<\/p>\n
5. Choose a shorter loan term. Even if you will have to pay more each month, the total interest will be significantly lower.<\/p>\n
6. Make a large down payment. This reduces the amount you borrow. Smaller loans mean better interest rates.<\/p>\n","protected":false},"excerpt":{"rendered":"