There might be fees with a £10k loan. The exact amount will vary depending on your lender and the conditions of the loan. Some fees you may encounter include: Late Payment Fee: If you don’t make your loan repayments on time, you could face a late payment fee. If you’re experiencing loan repayment difficulty, contact your lender immediately. Late loan repayments can harm your credit score and make borrowing money difficult in the future. Early Repayment Fee: You might think paying your loan off early can be a good thing. However, you can incur an early repayment fee if you pay before the agreed upon loan term.