{"id":39745,"date":"2022-05-04T11:47:08","date_gmt":"2022-05-04T11:47:08","guid":{"rendered":" https:\/\/dev.way.com\/blog\/?p=39745"},"modified":"2022-05-04T11:50:56","modified_gmt":"2022-05-04T11:50:56","slug":"car-loan-origination-fee","status":"publish","type":"post","link":"https:\/\/dev.way.com\/journal\/car-loan-origination-fee\/","title":{"rendered":"What Is a Car Loan Origination Fee and Is It Negotiable?\u00a0"},"content":{"rendered":"<p style=\"text-align: center;\"><em>With several charges and fees rolled into your car loan, it&#8217;s easy to forget how much you&#8217;re paying! Here&#8217;s everything you need to know about car loan origination fees and how to minimize them when taking a new auto loan.<\/em><\/p>\n<p style=\"text-align: justify;\">While the most important thing you need to focus on when taking an auto loan is the<a href=\" https:\/\/dev.way.com\/blog\/what-is-apr-on-a-car-loan-and-how-is-it-calculated\/\" target=\"_blank\" rel=\"noopener\"> APR<\/a>, there are still additional costs. For one, processing the application takes a significant amount of time and effort. That is why lenders generally charge processing or origination fees on loans!<\/p>\n<p style=\"text-align: justify;\">Unless you trust your lender completely, you should always keep an eye on the &#8216;hidden fees&#8217; and miscellaneous costs mentioned in the loan application. This post will help you make sense of car loan origination fees.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-39820 size-large aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/05\/Loan-origination-fee2-1024x768.jpg\" alt=\"What are car loan origination fees?\" width=\"640\" height=\"480\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/05\/Loan-origination-fee2-1024x768.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/05\/Loan-origination-fee2-300x225.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/05\/Loan-origination-fee2-768x576.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/05\/Loan-origination-fee2-1536x1152.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/05\/Loan-origination-fee2.jpg 2000w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #e71346;color:#e71346\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #e71346;color:#e71346\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/dev.way.com\/journal\/car-loan-origination-fee\/#What_Is_a_Car_Loan_Origination_Fee\" >What Is a Car Loan Origination Fee?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/dev.way.com\/journal\/car-loan-origination-fee\/#Why_Do_Lenders_Charge_Car_Loan_Origination_Fees\" >Why Do Lenders Charge Car Loan Origination Fees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/dev.way.com\/journal\/car-loan-origination-fee\/#How_Do_Car_Loan_Origination_Fees_Work\" >How Do Car Loan Origination Fees Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/dev.way.com\/journal\/car-loan-origination-fee\/#How_Much_Do_Origination_Fees_Cost\" >How Much Do Origination Fees Cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/dev.way.com\/journal\/car-loan-origination-fee\/#Does_a_Good_Credit_Score_Impact_Origination_Fees\" >Does a Good Credit Score Impact Origination Fees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/dev.way.com\/journal\/car-loan-origination-fee\/#Are_Origination_Fees_Negotiable\" >Are Origination Fees Negotiable?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/dev.way.com\/journal\/car-loan-origination-fee\/#How_to_Minimize_Car_Loan_Origination_Fees\" >How to Minimize Car Loan Origination Fees\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/dev.way.com\/journal\/car-loan-origination-fee\/#Additional_Fees_to_Look_Out_For\" >Additional Fees to Look Out For\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/dev.way.com\/journal\/car-loan-origination-fee\/#Do_Car_Loans_Charge_Origination_Fees\" >Do Car Loans Charge Origination Fees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/dev.way.com\/journal\/car-loan-origination-fee\/#How_Are_Origination_Fees_Calculated\" >How Are Origination Fees Calculated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/dev.way.com\/journal\/car-loan-origination-fee\/#What_Is_a_Reasonable_Auto_Loan_Origination_Fee\" >What Is a Reasonable Auto Loan Origination Fee?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_a_Car_Loan_Origination_Fee\"><\/span>What Is a Car Loan Origination Fee?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><strong>Origination fees are essentially a lender&#8217;s commission for processing and underwriting your loan application<\/strong>. Origination fees are common for all types of loans &#8211; mortgage, auto, personal &#8211; and are generally paid upfront at the time of accepting the loan.<\/p>\n<p style=\"text-align: justify;\">Though processing fees are common for all types of auto loans, some lenders often waive\/reduce them for borrowers with good credit.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Lenders_Charge_Car_Loan_Origination_Fees\"><\/span>Why Do Lenders Charge Car Loan Origination Fees?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Every car loan has paperwork to be sorted out from your and the dealership&#8217;s end. Some of the procedures involved in processing a loan include:<\/p>\n<ul>\n<li style=\"text-align: justify;\">Underwriting the loan (Checking your credit score and payment history)<\/li>\n<li style=\"text-align: justify;\">Preparing the documents from the lender&#8217;s side<\/li>\n<li style=\"text-align: justify;\">Any other due diligence that might be required<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_Car_Loan_Origination_Fees_Work\"><\/span>How Do Car Loan Origination Fees Work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Car Loan Origination Fees can either be<strong> charged upfront as part of loan closing cost<\/strong>, <strong>deducted from the total amount<\/strong>, or can be <strong>rolled into the loan amount<\/strong>.<\/p>\n<p>You should always look at how the car loan origination fees compare to the interest rate you get. A lower origination fee might look tempting on the offer document but won&#8217;t amount to much if you have a high APR. For long loan terms, it&#8217;s better you go for a low APR loan (even if it has slightly higher origination fees), as it will help you save thousands in the long run.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Much_Do_Origination_Fees_Cost\"><\/span>How Much Do Origination Fees Cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Typically, car loan origination fees aren&#8217;t supposed to be arbitrary. They should be clearly mentioned in the loan offer document. Though it varies based on the lender, <strong>they usually cost between 1-and 2% of the total loan<\/strong>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Does_a_Good_Credit_Score_Impact_Origination_Fees\"><\/span>Does a Good Credit Score Impact Origination Fees?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Yes, having a better credit score opens several doors when applying for a loan. Because of your good credit profile, <strong>lenders may be willing to waive or reduce the car loan origination fees.<\/strong> Ideally, a score above 670 is considered &#8220;good,&#8221; while 740 and above is considered excellent.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Are_Origination_Fees_Negotiable\"><\/span>Are Origination Fees Negotiable?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><strong>Yes, car loan origination fees are usually not set in stone.<\/strong> Therefore, it is possible to negotiate with your lender and reduce it to a manageable amount. It also helps if you have a good credit score and payment history.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Minimize_Car_Loan_Origination_Fees\"><\/span><span data-contrast=\"auto\">How to Minimize Car Loan Origination Fees<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Looking to reduce your overall loan costs? Follow these<strong> 4 guidelines<\/strong> to <strong>minimize the cost of car loan origination fees<\/strong> and stop overpaying on your auto loan.<\/p>\n<p><strong>1. Shop around for the best loans<\/strong>: Instead of going to banks and credit unions, use a lending platform like Way.com to find and compare better deals. You can choose offers that give you low APRs exclude origination fees, and won&#8217;t charge you any &#8216;hidden&#8217; charges.<\/p>\n<p><strong>2. Negotiate with the lender:<\/strong> If you&#8217;ve chosen a lender and are going to sign the agreement, read the documents carefully to see what you&#8217;ve been charged in origination fees. If it is too much, you can negotiate to reduce it to a manageable amount.<\/p>\n<p><strong>3. Refinance with a better lender:<\/strong> If origination fees have been rolled into your loan, you could be overpaying on your loan. <a href=\"https:\/\/www.way.com\/auto-refinance\" target=\"_blank\" rel=\"noopener\">Auto loan refinancing<\/a> can help you close your current loan early and get a new one with lower monthly payments. You can also choose a lender who won&#8217;t charge you origination fees.<\/p>\n<p><strong>4. Ask for seller concessions:<\/strong> If you are looking to purchase a vehicle in a buyer&#8217;s market (i.e., when dealerships find it hard to find buyers due to lack of demand), you can ask your lender to waive the usual origination fees. Unfortunately, with <a href=\" https:\/\/dev.way.com\/blog\/car-prices-2022\/\" target=\"_blank\" rel=\"noopener\">new<\/a> and <a href=\" https:\/\/dev.way.com\/blog\/when-will-used-car-prices-drop\/\" target=\"_blank\" rel=\"noopener\">used vehicle prices<\/a> skyrocketing, you might have to wait to try out this option.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Additional_Fees_to_Look_Out_For\"><\/span><span data-contrast=\"auto\">Additional Fees to Look Out For<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/05\/Prepayment-penalty-fees-1-1024x682.jpg\" alt=\"What are car loan origination fees\" width=\"743\" height=\"495\" \/><\/p>\n<p>Keep an eye out for the following miscellaneous fees that you could be charged:<\/p>\n<ul>\n<li><strong>Registration fees:<\/strong> Based on the state you want to register the vehicle in<\/li>\n<li><strong>Destination fees:<\/strong> Which will cover any transportation\/shipping costs<\/li>\n<li><strong>Vehicle Inspection fees:<\/strong> To ensure your vehicle meets the standards of vehicle ownership in a state<\/li>\n<li><strong>Dealership fees:<\/strong> Miscellaneous fees to cover dealership costs<\/li>\n<\/ul>\n<h2><em>Frequently Asked Questions (FAQ)<\/em><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"Do_Car_Loans_Charge_Origination_Fees\"><\/span>Do Car Loans Charge Origination Fees?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Some auto loan lenders will charge you between 1-and 2% of the total loan as origination fees. However, it varies depending on the lender &#8211; some will altogether waive the processing fees or simply not charge you at all.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Are_Origination_Fees_Calculated\"><\/span>How Are Origination Fees Calculated?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Usually, lender origination fees will cost 1-2% of the loan amount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_a_Reasonable_Auto_Loan_Origination_Fee\"><\/span>What Is a Reasonable Auto Loan Origination Fee?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There isn&#8217;t one single number that can be considered &#8216;reasonable&#8217; &#8211; it all depends on how much you borrow. The larger your auto loan, the greater will be your origination fee &#8211; typically 1% of the loan amount.<\/p>\n<p><a href=\"https:\/\/www.way.com\/auto-refinance\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/02\/REFINANCE-BANNER.png\" alt=\"What are car loan origination fees\" width=\"744\" height=\"276\" \/><\/a><\/p>\n<hr \/>\n<p style=\"text-align: center;\"><em>Here\u2019s more info on\u00a0<\/em><a title=\"https:\/\/www.way.com\/airport-parking\" href=\"https:\/\/www.way.com\/airport-parking\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link top-rated airport parking\"><em>top-rated airport parking<\/em><\/a><em>,\u00a0<\/em><a title=\"https:\/\/www.way.com\/cities\" href=\"https:\/\/www.way.com\/cities\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link the best parking spots in your city\"><em>the best parking spots in your city<\/em><\/a><em>, the most affordable\u00a0<u><a title=\"https:\/\/www.way.com\/auto-insurance\" href=\"https:\/\/www.way.com\/auto-insurance\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link auto insurance\u00a0\">auto insurance\u00a0<\/a><\/u>for your car, and\u00a0<\/em><a title=\"https:\/\/www.way.com\/car-wash-near-me\" href=\"https:\/\/www.way.com\/car-wash-near-me\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link top-rated car washes near you\"><em>top-rated car washes near you<\/em><\/a><em>.<\/em><\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>With several charges and fees rolled into your car loan, it&#8217;s easy to forget how much you&#8217;re paying! Here&#8217;s everything you need to know about car loan origination fees and how to minimize them when taking a new auto loan. While the most important thing you need to focus on when taking an auto loan&hellip; <a class=\"more-link\" href=\"https:\/\/dev.way.com\/journal\/car-loan-origination-fee\/\">Continue reading <span class=\"screen-reader-text\">What Is a Car Loan Origination Fee and Is It Negotiable?\u00a0<\/span><\/a><\/p>\n","protected":false},"author":46,"featured_media":39821,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1962,1855],"tags":[5628,5629,5622,5623,5624,5625,5626,5627],"class_list":["post-39745","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-refinance","category-finance","tag-car-loan-processing-fee","tag-origination-fee-on-a-car-loan","tag-loan-origination-fee","tag-car-loan-origination-fees","tag-what-is-an-origination-fee","tag-what-is-a-loan-origination-fee","tag-origination-fee-negotiable","tag-how-to-determine-the-car-loan-origination-fee","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.3 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Are Car Loan Origination Fees? [And 5 Ways To Minimize Their Cost]<\/title>\n<meta name=\"description\" content=\"With several charges and fees rolled into your car loan, it&#039;s easy to forget how much you&#039;re paying! Here&#039;s everything about car loan origination fees.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a Car Loan Origination Fee and Is It Negotiable?\u00a0\" \/>\n<meta property=\"og:description\" content=\"With several charges and fees rolled into your car loan, it&#039;s easy to forget how much you&#039;re paying! 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