The price of your loan depends on APR. Its reasonable when you need originating from a trustworthy lender, but origination fees can increase the loan cost. Hence, should you want to choose the most affordable 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%. Then, we estimated the payment that is total end up being $16,446.48 with $685.27 in monthly payments.