<human>:  How do I negotiate a lower car loan rate?
<bot>: One way to negotiate a lower car loan rate is to shop around and compare loan offers from different lenders. You can also try negotiating directly with your current lender to see if they are willing to offer you a lower interest rate. Researching and understanding your credit score can also help you to potentially secure a lower rate. Additionally, offering a larger down payment or having a cosigner can also help in negotiating a lower car loan rate.