For loans subject to an origination fee, origination fees range from .99%–5.99% and will be deducted from your loan proceeds. This means the loan proceeds delivered to you would be less than the full principal amount of your loan. Our only other fees are associated with payments and are generally lower than what credit cards charge. There is a $15 late fee in the event you miss your payment due date by more than 3 days and a $15 Insufficient Funds Fee if ACH transfers or checks are returned or fail due to insufficient funds in your account or for any other reason. These fees are lower than typical credit cards. We also reserve the right to charge a $7 fee for all payments that are not made by automated ACH.