Getting a low rate on a personal loan requires some effort on your part. To increase your chances of getting a low rate, you can take the following steps: First, improving your credit score is crucial. A higher credit score indicates to lenders that you are a responsible borrower and can result in a lower interest rate. To improve your credit score, make sure to pay bills on time, keep your credit card balances low, and avoid new credit inquiries. Second, it's important to shop around and compare offers from multiple lenders. Different lenders have different underwriting criteria and interest rates, so it's important to find the best option for your financial situation. Finally, consider getting a co-signer for your loan. Having a co-signer with a strong financial profile and good credit history can increase your chances of getting approved for a loan and at a lower rate. However, keep in mind that the co-signer will also be responsible for the loan if you are unable to make payments. It's important to consider your individual financial situation and carefully compare offers from multiple lenders before choosing a personal loan. Taking these steps can help you increase your chances of getting a low rate on your personal loan.