<prompt> Human: short-time reader, first-time poster...I make the minimum payments to pay the loan off in 10-years but would it be a better option to take out a private loan from my CUbank with a lower interest rate? would they loan to me with an average credit score? my other private loans are at 7.75, 4.25 3.25 with the largest loan being the one im asking about.  <response>: but would it be a better option to take out a private loan from my CUbank with a lower interest rate?Sure. What collateral do you have to put towards this loan? If the answer is not anything, then youre going to have a hard time getting a bank to loan you money on an unsecured loan.would they loan to me with an average credit score?Define average. 650? 700? 750? 