{
  "basis": {
    "cashNeeded": 10000,
    "feePercent": 5,
    "interestRate": 12,
    "months": 36,
    "exampleType": "hypothetical; no provider offer"
  },
  "examples": [
    {
      "ok": true,
      "type": "personal-loan",
      "methodVersion": "2026-08-28.4",
      "inputs": {
        "principal": 10000,
        "interestRate": 12,
        "termMonths": 36,
        "feePercent": 0,
        "feeTreatment": "none",
        "disclosedApr": null
      },
      "outputs": {
        "principal": 10000,
        "interestRate": 12,
        "termMonths": 36,
        "feePercent": 0,
        "feeTreatment": "none",
        "disclosedApr": null,
        "fee": 0,
        "cashReceived": 10000,
        "monthlyPayment": 332.14309812851167,
        "totalScheduledPayments": 11957.15153262642,
        "totalInterest": 1957.1515326264198,
        "upfrontCash": 0,
        "totalCashPaid": 11957.15153262642,
        "totalBorrowingCost": 1957.1515326264198,
        "costPerThousandReceived": 195.71515326264196
      },
      "summary": "You receive $10,000.00 and repay $11,957.15. The cost to borrow is $1,957.15.",
      "warnings": [
        "Use the fixed interest rate from the offer to estimate the payment.",
        "The estimate leaves out late fees and optional extras. The tool does not calculate APR."
      ]
    },
    {
      "ok": true,
      "type": "personal-loan",
      "methodVersion": "2026-08-28.4",
      "inputs": {
        "principal": 10526.315789473685,
        "interestRate": 12,
        "termMonths": 36,
        "feePercent": 5,
        "feeTreatment": "deducted",
        "disclosedApr": null
      },
      "outputs": {
        "principal": 10526.315789473685,
        "interestRate": 12,
        "termMonths": 36,
        "feePercent": 5,
        "feeTreatment": "deducted",
        "disclosedApr": null,
        "fee": 526.3157894736843,
        "cashReceived": 10000,
        "monthlyPayment": 349.624313819486,
        "totalScheduledPayments": 12586.475297501496,
        "totalInterest": 2060.159508027811,
        "upfrontCash": 0,
        "totalCashPaid": 12586.475297501496,
        "totalBorrowingCost": 2586.4752975014962,
        "costPerThousandReceived": 258.64752975014966
      },
      "summary": "You receive $10,000.00 and repay $12,586.48. The cost to borrow is $2,586.48.",
      "warnings": [
        "Use the fixed interest rate from the offer to estimate the payment.",
        "The estimate leaves out late fees and optional extras. The tool does not calculate APR."
      ]
    }
  ],
  "noOriginationFeeChecks": [
    {
      "checkId": "PL-NO-FEE-Discover",
      "checkedDate": "2026-09-26",
      "status": "narrow-claim-supported",
      "observation": "Discover supported on the recorded check date no origination fee. This check does not clear its rates, all fees, state availability or eligibility.",
      "sourceUrls": [
        "https://www.discover.com/personal-loans/"
      ],
      "locators": "Own-product comparison column says no fees for any customer.",
      "originalCheckDate": "2026-09-10",
      "scope": "Origination fee only; no rate, eligibility, state or all-fee clearance"
    },
    {
      "checkId": "PL-NO-FEE-Wells Fargo",
      "checkedDate": "2026-09-26",
      "status": "narrow-claim-supported",
      "observation": "Wells Fargo supported on the recorded check date no origination fee. This check does not clear its rates, all fees, state availability or eligibility.",
      "sourceUrls": [
        "https://www.wellsfargo.com/personal-loans/"
      ],
      "locators": "No origination fee under costs.",
      "originalCheckDate": "2026-09-10",
      "scope": "Origination fee only; no rate, eligibility, state or all-fee clearance"
    },
    {
      "checkId": "PL-NO-FEE-U.S. Bank",
      "checkedDate": "2026-09-26",
      "status": "narrow-claim-supported",
      "observation": "U.S. Bank supported on the recorded check date no origination fee. This check does not clear its rates, all fees, state availability or eligibility.",
      "sourceUrls": [
        "https://www.usbank.com/loans-credit-lines/personal-loans-and-lines-of-credit/personal-loan.html"
      ],
      "locators": "No hidden costs or fees.",
      "originalCheckDate": "2026-09-10",
      "scope": "Origination fee only; no rate, eligibility, state or all-fee clearance"
    },
    {
      "checkId": "PL-NO-FEE-PNC",
      "checkedDate": "2026-09-26",
      "status": "narrow-claim-supported",
      "observation": "PNC supported on the recorded check date no origination fee. This check does not clear its rates, all fees, state availability or eligibility.",
      "sourceUrls": [
        "https://www.pnc.com/en/personal-banking/borrowing/personal-loans/unsecured-personal-loan.html"
      ],
      "locators": "At-a-glance origination fee none.",
      "originalCheckDate": "2026-09-10",
      "scope": "Origination fee only; no rate, eligibility, state or all-fee clearance"
    },
    {
      "checkId": "PL-NO-FEE-Citi",
      "checkedDate": "2026-09-26",
      "status": "narrow-claim-supported",
      "observation": "Citi supported on the recorded check date no origination fee. This check does not clear its rates, all fees, state availability or eligibility.",
      "sourceUrls": [
        "https://www.citi.com/personal-loans"
      ],
      "locators": "Own-product no-origination-fee heading.",
      "originalCheckDate": "2026-09-10",
      "scope": "Origination fee only; no rate, eligibility, state or all-fee clearance"
    },
    {
      "checkId": "PL-NO-FEE-Alliant",
      "checkedDate": "2026-09-26",
      "status": "narrow-claim-supported",
      "observation": "Alliant supported on the recorded check date no origination fee. This check does not clear its rates, all fees, state availability or eligibility.",
      "sourceUrls": [
        "https://www.alliantcreditunion.org/borrow/get-a-credit-union-personal-loan"
      ],
      "locators": "No origination fees heading; membership tenure separate.",
      "originalCheckDate": "2026-09-10",
      "scope": "Origination fee only; no rate, eligibility, state or all-fee clearance"
    },
    {
      "checkId": "PL-NO-FEE-PenFed",
      "checkedDate": "2026-09-26",
      "status": "narrow-claim-supported",
      "observation": "PenFed supported on the recorded check date no origination fee. This check does not clear its rates, all fees, state availability or eligibility.",
      "sourceUrls": [
        "https://www.penfed.org/personal-loans"
      ],
      "locators": "Fee section and footnote; late fees separate.",
      "originalCheckDate": "2026-09-10",
      "scope": "Origination fee only; no rate, eligibility, state or all-fee clearance"
    }
  ],
  "edition": "loan-fee-mechanics@2026-09-26.1",
  "scope": "Two hypothetical loan examples and seven dated checks of origination-fee disclosures. No rate ranking, funded-borrower, state or creditor comparison.",
  "sourceCheckDate": "2026-09-26"
}