The additional cost charged by an institution for lending you money is called "credit rating." However, this term typically refers to the assessment of creditworthiness rather than the cost itself. The cost associated with borrowing money is more commonly referred to as "interest." Since "interest" isn't listed among your options, it may be best to clarify what you mean by "cost" in this context. If you're looking specifically for a term directly representing the cost of borrowing without including the type of fees, "credit rating" wouldn’t be accurate.
Could you confirm or provide additional options?
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