I’m not a financial consultant but I do want to tip you off that “interest rate” and “APR” are not the same thing. You need to be aware of that when you are comparing loans.
Simply, the interest rate is the amount of interest you are being charged on the balance of the loan. The APR represents the actual cost per year of the loan by taking into account the interest rate plus all of the fees associated with getting the loan in the first place.
So a bank could offer a really low interest rate but have a lot of fees and end up with a higher APR than another lender that has a bit higher interest rate but lower fees.
Here is a good place to start to learn more: