Quick answer: An origination fee is a lender fee that may be charged for processing or originating a loan. It can affect APR and the amount you receive.
How origination fees can work
Some lenders may deduct an origination fee from funds before disbursement, while others may include fees differently. Borrow Your Loan does not set lender fees.
| Fee question | Why to ask |
|---|---|
| Is there an origination fee? | Shows whether upfront cost applies. |
| Is it deducted from proceeds? | Affects amount received. |
| Is it included in APR? | Helps compare total cost. |
Compare net proceeds
If fees are deducted, the deposited amount may be lower than the loan principal you repay.
Final lender disclosure controls
Review the lender agreement before accepting any offer.
Methodology
This page is educational and uses illustrative examples. Borrow Your Loan does not publish unverified partner rates, approval odds, or lender requirements. A lender or partner controls any final offer, APR, fee, amount, repayment term, and funding decision.
Sources and consumer references
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