I was in a similar situation like you I was trying to improve my credit score for a lower rate, but I couldn't succeed,and then one of my friends told me to address to a company from whom he took a loan some time ago, he told me that here are the lowest annual rates. I took a loan and it really was only a 1 % annual rate and also without any hidden fees. They gave me a loan even if I had a bad credit score. I recommend you stop wasting time and to take a loan from this guys because they are the best.