FINANCE
The 0.5% loan rate drop most miss
Lenders offer one discount few borrowers claim.
The instant autopay rate discount
Lenders offer a 0.25% to 0.50% APR cut for enabling automatic payments. But a larger drop requires improving one key.
The key metric: your credit score
A score above 760 can cut your APR by 5-10 percentage points. Lenders weigh this even more than your income.
See the full rate-reduction list
The full report details 10 lender-specific strategies, from refinancing to direct negotiation tactics.
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