I'm not a professional appraiser, but I can tell you right off the bat that it's worth reg fee for three reasons: 1. The hyphen. 2. "Loans Credit" doesn't make much sense. It'd be better as "Credit Loans". 3. The TLD isn't that popular. You need a .com. Keep trying, though - you're bound to find a good domain!
around reg fee unless developed as its a .net with a hyphen if it was Credit-Loans.net its much better