The annual interest rate of a loan is fixed. The interest rate is based on the loan offers from investors to a borrower and may include an additional interest charged by Fellow Finance.
Fellow Finance finances its business by taking opening and monthly administration fees from borrowers.
You will find more details about borrower fees in every market from country-specific websites.
If the list of fees doesn't include a certain service can the service still be charged and it is based on for example to the amount of time used. Officials hourly payment is 100€ + tax.