Personal loans with quick approval:
In order to get a quick approval from the lender, you need to go for the lending places where there is less volume of incoming applications. Above all, if you want to avoid getting rejected, it is better if you apply at lending institutions where the approval rate is quite high. This will save you so much time as you would not have to deal with the loan rejections at all. All you need to do is apply for a personal loan and wait for the approval from the lender. Of course, if you are not satisfied with the interest rate the lender provides, you can search for a loan at other places. Another thing you can do is talk with the lender and see if you can make the interest rate a little lower. When you are searching for a private loan, do not expect to get an affordable rate right away. You could start getting offers with very high rates but as you keep searching, you will be able to find a reasonable one at the end.
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Lowest annual percentage rate:
If you want to fasten things up, you can get the help of a broker or get referrals from your neighborhood. Getting referrals is a better method as you will be able to get help for free and at the same time, you could make a deal with a very credible lender. Through enough search, you can get a personal loan with affordable loan payments.
Remember that if your income has been stable for quite a few years, you have better chances of making a fruitful negotiation.