Yes, origination fees are often negotiable, especially for borrowers with good credit scores and stable income.

Some lenders may waive the fee entirely or reduce it as part of competing for your business.

Paying upfront saves money long-term since you won't pay interest on the fee amount.

However, rolling it into the loan preserves your cash for other needs.

Origination fees are factored into the Annual Percentage Rate (APR), which represents the true cost of borrowing including fees.

A loan with a lower interest rate but high origination fee might have a higher APR.