The price of your loan depends on APR. It is actually realistic once you need from a legitimate lender, but origination fees can increase the loan cost. Therefore, if you would like find the cheapest credit offer, try cooperating with lenders that don't charge origination fees. For example, you want to take $15,000 for 24 months at the expected APR of 9%. Consequently, you anticipated the overall fee would end up being $16,446.48 with $685.27 in monthly payments.