What advice do you have for someone who wants to get a low personal loan rate?

In the famous words of Mick Jagger from the Rolling Stones, "You can't always get what you want." Just because one wants or needs a low personal loan rate does not mean they will get it. In order to get a loan rate that one is willing to pay, the credit score is key. Individuals with high credit scores will receive lower personal loan rates because higher credit scores indicate a lower likelihood of default. Meaning, they are more creditworthy. Whereas Individuals with low credit scores may not even be able to secure a personal loan rate at any price. If one does have a low credit score and can secure a personal loan, that interest rate will be high and can be comparable to credit card interest rates because the individual is deemed at a higher risk for defaulting on said loan. One's creditworthiness dictates the interest rate and the amount a financial institution is willing to loan. Also, keep in mind that personal loans are usually unsecured loans, therefore their rates will always be higher than say mortgage rates (which are secured loans).