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Millerbernd cautions borrowers to watch out for origination fees. “Lenders that charge an origination fee often scrape a percentage of the amount you’re borrowing off the loan before it hits your account, which is something to consider if you’re trying to borrow a specific dollar amount, because with an origination fee, you could find yourself a few hundred to a few thousand dollars short,” says Millerbernd. And she adds: “Personal loans also have the potential to accelerate spending, by giving you the ability to pay for a large expense without having to save for it.” Reply Leave a Comment Save my name, email, and website in this browser for the next time I comment.