Interest rates vary.
And, it's worth bearing in mind that some lenders are only interested in lending to people whom they regard as a 'safe risk'. These people may secure lower interest rates. This 'cherry picking' by lenders means that groups considered a less good risk are either offered money at a higher interest rate or not offered a loan at all. Broadly speaking, if you do your homework and get several alternative quotations you should be able to cut the cost of credit. And you may be able to negotiate the interest rate you pay.