The person could get a car loan at a great interest rate, why?
Options:
- smooth skin
- fresh produce
- understand themselves
- good credit
- headache
Let's think carefully first. Step-by-step reasoning process:

Show your work and conclude with the exact phrasing "Therefore, the final answer is [answer]." where [answer] is just the final number or expression that solves the problem.
user
People who have no criminal or police record, are considered good citizens. When people frequently use credit cards, they have good credit score. People can get loan with a great interest rate with good credit score. So the final answer is good credit.