The interest rate that you see is how the interest on your loan will actually be incorporated into your monthly payments. This is the true number to use when comparing to your credit card's APR (Annual Percentage Rate). Our APR is taking into consideration the origination fee, but this fee is a one time fee, and is accounted for up front in the beginning of your loan process. We show you both to be as transparent as possible.
You can read more about our rates and the origination fee here: https://www.payoff.com/loan/rates-and-fees/