With traditional home and auto loans there is a mandated disclosure form that lists your APR, finance charges, fees, and specifically early payoff or extra payments and whether those have any sort of penalty. I’ve personally never seen one list a fee for this (I actually just financed a car two weeks ago and went through this) on our home loan or any other prior car loan and thought it was outlawed with the regulations that got passed after the great recession when everyone was facing foreclosure.

I wouldn’t be surprised to find out that that stuff like payday loans or Klarna payment plans included some sort of penalty since they’re designed to be as predatory as possible, but I’ve never used anything like that.

Do these really exist? I thought that practice was banned after the '08 recession, but perhaps it was only with certain loans like home and auto.

Especially for $900. My 16TB HDDs were like $150 each last year.

I’d say a full 100% of us are considering both guys are yellow guy.