> It's essentially a prepayment penalty in disguise. I can see that. But put another way, it's a flat fee. No disguise. I see issues with you being able to

> It's essentially a prepayment penalty in disguise. I can see that. But put another way, it's a flat fee. No disguise. I see issues with you being able to get better rates elsewhere, but by calling it a fixed fee instead of using an APR with fine print saying there's a prepayment penalty, I see the OPPOSITE of disguise.