text: how to get personal loan at a good rate?   try this strategic trick:  1. go to your bank first where you are familiar with the people. ask them for a loan, get the interest rate and the plan and all details, check for any hidden extras.  2. check online at all the banks offers (including your bank) print the best offers that you may get (i am sure u will get a lower interest rate than your own bank) from reliable banks.  3. now be very cunning: go to the first step with a twist, show them your research, and show them the best deal you have got from the internet.  4. mostly they are ready to negotiate and ask them for a lower rate than the one you have researched. mostly they will discuss (privately with some hidden manager) and  get back to you.   5. if they give a lower rate you have striken a jackpot, if not go to the internet loan offer.  hurrah now you can feel that consumer is a king. and you have nothing to lose.  good luck.