Keep in mind your lender could charge you an origination fee upfront.
Lenders have different types of fees and there are many factors they consider when it comes to determining the size of their fee for each loan.
For example, some may require a fee be paid based on the length of the repayment term. Other lenders might charge one flat fee based on the interest rate. Finally, some might charge a fee based on a percent of the total loan amount.
In addition, if you default or miss a payment, there could be an additional fee.
Lastly, some lenders may charge a maintenance fee if you have a credit line that is inactive.