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However, a further expense when applying for a loan on Avant is the origination fee, which is a charge you pay to the lender for processing your loan utility. Lightstream's fees are lower as in comparability with the average for lenders. The company does not have an origination fee, and there aren't any late fees or prepayment penalties. The charges for Upgrade are comparable to different loan suppliers. However, the platform has a high origination charge of as a lot as 8%.