Yoko is buying a car from a local car dealership. She wants to get the lowest interest rate possible. Which will most likely help her get the lowest interest rate?

Lenders use a borrower’s credit history to judge how likely they are to repay a loan. A positive credit history makes Yoko seem less risky, which will most likely help her qualify for a lower interest rate. Having many outstanding loans could make her seem riskier; asking nicely or showing a driver’s license does not establish that she is likely to repay.

AI-written and checked against the verified answer.