Hallo…
I’ve got a quick question about what happens with lender credits if you pay off a loan early. If you pay off a 30-year fixed loan after just 2-3 payments, what happens to those lender credits? 
I know the lender gets hit with some penalty, but what’s the real impact? For example, if they gave me $4k in credits, do they actually lose that $4k plus origination costs and any commission they would have made?
Just trying to understand how this all works. Any info or experiences would be super help
Your advise is welcome… 
The act of repaying a loan ahead of time is referred to as early payback. Lender credits are frequently provided as inducements to pay off loans early. The amount, requirements for eligibility, and method of application for these credits can all differ significantly.
Usually, lender credits are provided to entice borrowers to repay their debts early. They can be used to immediately lower the amount payable on the loan balance. 
There’s a chance that some loan kinds—like mortgages and vehicle loans—will give early payback credits.
The availability and quantity of credit may vary depending on how long the loan is for.
The availability and quantity 
of credit may vary depending on how long the loan is for.