<prompt> Human: Hello,Im considering getting an 8k loan from Upstart to consolidate high interest credit card debt. I have a question about the terms. I can get the 8k on a 3 year loan with 15.62 APR with monthly payments of 265.45, or 5 years at 15.45 with monthly payments of 182.39. I intend to pay it back in 3 years, but since there is no early payment fee doesnt it make sense to get the 5 year loan at a lower APR and just pay it off early? In both cases there is an origination fee of 409.28Thanks!  <response>: It seems odd that the longer term loan would have the lower interest. Its hardly much of a difference. But, yeah, if you plan to pay it off early, follow the lower interest, but read the terms carefully. Like I said, seems odd. Edit: that fee seems high. 