PIB TIP: FACTORS INFLUENCING INTEREST RATES. People who have good credit and a stable job history get the lowest interest rates. Also, people who live at the same address for a long time usually have a better credit rating. Don’t take the first financing option you’re offered. You can negotiate loan rates just as you would haggle over the price of a truck. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Freightliner Trucks.