We do not negotiate after we have given a loan offer, this is a final offer. You may; however, pay off the loan at any time, we do not charge any prepayment penalties. You only pay interest up until the date on which the loan is completely paid off.
Paying off the loan in a shorter time period, will not reduce the interest rate, but this will reduce the amount of interest that you pay overall. By paying off the loan early you save on having to pay future interest.
For any further questions regarding interest rate, please email us at firstname.lastname@example.org