This particular loan has a lower interest rate for the first several years and then a fixed rate for the whole term that is remained. (personalmoneyservice.com)
Secured loans typically have lower interest rates because if you can't pay back your loan, lenders have a way of recovering at least some of the cost. (studentloanhero.com)
New car loans generally have lower interest rates because new cars are worth more than older cars. (simplethriftyliving.com)