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 typically offer lower interest rates to borrowers who are more likely to repay their loans. A positive credit history shows that Yoko has handled credit responsibly, so it can help her qualify for a lower rate. A driver’s license or asking nicely does not show her repayment history, and many outstanding loans could make lenders see her as a higher risk.

AI-written and checked against the verified answer.