To get a low interest loan, the first steps you’ll want to take are to improve your credit score and lower your debt-to-income ratio. Shop around to compare lender rates and find the lowest ones, but be sure to avoid fees if possible. Adding a co-signer or taking out a secured loan using collateral can lower your rate, as can signing up for or taking advantage of discounts. Credit unions often offer loans with lower rates for members, and you can also opt for a shorter repayment period, so your payments will be higher but you’ll pay less in interest.