Mortgage foreclosures risingHagerstown Morning Herald, MD -Oct 27, 2007Shumaker said he knows that the bankruptcy will give him a poor credit rating and that if he goes to buy another vehicle or needs a loan, the interest rate ... For this amount, the lender may charge you between $3,000 and $6,000. However, some lenders may offer zero points at a higher interest rate, which may significantly reduce your initial costs, although your payments may be somewhat higher.