Origination fees
Some lenders deduct a fee from proceeds, so the cash you receive can be less than the face value of the loan.
PERSONAL BORROWING
Personal Loans
Compare personal-loan offers by APR, origination fees, monthly payment, term, and total repayment — not just the amount offered.
ZERORATES PRINCIPLE
Compare the total cost, not just the headline rate.
APR, fees, term length, incentives, and timing can change which offer is actually cheaper.
WHAT TO LOOK AT
Personal Loans: the numbers that matter
Term length
A longer term usually lowers the payment but can raise the total interest paid.
Prepayment terms
Check whether paying early is allowed without penalty and how interest accrues.
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