My credit score is 6, can I expect lower interest

Are you sure that your credit score is 6? Or is it 600?

If the pdl lenders are legal in your state, then you can negotiate with them in order to get the interest rates reduced. You can even take the help of a debt relief company for the same.

No you will not get a lower rate no matter how much you negotiate.

If you havent borrowed yet, DON'T DO IT!! They are major traps.

If you have already borrowed, what state are you in and who have you borrowed from??

I'm with Anna, 6 or 600? I'm guessing 600, since the lowest score you can have is a 300. Even a 600 is considered sub-prime so not that good. But if you have a 600+, I'd suggest talking to a bank/credit union (I no longer deal with banks unless I have to, just credit unions, and even when I do use a bank I use a small/local bank. Never deal with the big ones) you should be able to get something through one of those sources instead of a PDL.