It probably seems like an obvious question, but if you’ve got money to spare elsewhere you may not need a loan at all – or at least, you might be able to reduce the amount you need to borrow. It might not be prudent to take money from long-term savings, but if you do have money that’s not committed to another goal consider whether you could use it instead of borrowing.
It could be cheaper too – if the interest you’re earning on your savings is less than the interest you pay on any money you borrow, it will cost you less in the long-run.
If you don’t need the money now, it could be a good idea to save for a little while to raise some or all of what you need. It means you could need to borrow less, making it cheaper.