Fee Schedule and Terms
The fee schedule and terms are a list of fees lenders tell you they charge, and when they charge them. Lenders will include most fees in your comparison rate regardless of when they apply. For example, if you take out a personal loan for 48 months, the lender will build 48 monthly fees into your comparison rate.
Fees that not all borrowers incur, like early repayment charges, will be on the fee schedule but not in your comparison rate.