Any tips on negotiating a lower interest rate?


I regularly apply for various loans right from a personal loan to working capital loan. The challenge I face all the time is with the interest rates. Although I go for a secured loan I always have a feeling that the interest rate is on a higher side.

This got me thinking about my credit score hence started carefully following and looking at the credit score. Now it has been around three that I am following credit score regularly which is only improving gradually since I have been maintaining the payment schedule very strictly.

This is making no difference to the interest rates. Looking forward to some tips for negotiating for a lower interest rates.