Hi Cindi, I am not clear about your question? There are different loans with different interest rates based on your credit.
To be able to help you better, is important to know what are the issues in your credit, late payments, collections, lack of credit lines , over spent. Based on the reason and yor current score there are a number of things that can be done to improve your credit.
For instance, if you have any credit cards that have not been used in a while, you want to dust them used them and pay them this will increase your credit, do not close any current credit lines. If you recently closed any old credit lines other than store cards you should try to get them reopened. The longer you have a credit card in good standing the better your score, etc.