Some of the only fees that can be negotiated are origination fees. If you take out a large personal loan, you may be able to negotiate lower origination fees than if you take out a small loan.
To reduce the origination fees, you may have to agree to a higher interest rate. If you have previously worked with the lender and have a relationship with the bank that is providing you with the personal loan, you will be able to negotiate origination fees more easily because you have a relationship with the bank and can demonstrate that you are a good borrower