Several factors are considered in defining an interest rate on a loan, including your credit history (based on a consumer credit report), your employment history, and your debt-to-income ratio. A loan origination fee is calculated as a percentage of your loan amount. If your transaction includes a refinance of an existing loan, the loan origination fee on the new loan will be calculated only on the new funds you are receiving. We cannot determine an interest rate or APR on your loan until you submit a complete application. All loans offered through Pioneer Military Credit are compliant with the APR/MAPR caps as outlined in the Military Lending Act. You can be assured that loans offered through Pioneer Military Credit have no hidden fees and all costs for your loan will be fully disclosed to you prior to accepting or signing your loan agreement.