It depends on the lender. Make sure you know all this information in advance because it can prove costly later on if you’re hit with fees you weren’t expecting. For a standard unsecured loan, most lenders don’t charge a fee, but some might. Be sure all of this information is clearly spelled out in writing before you apply. If you’re applying for a secured loan, there are almost always fees. For example, if your home is being used as collateral, the lender may ask for an appraisal, and you’re usually responsible for covering the cost.