GE and other “cheap” lenders

huge exit costs in first 5 years, some even around $12000 depending on what you are borrowing

LOL. Small.

Just to clarify, GE is the simgle largest company in the world. Small would not be one of the most suitable descriptions.
Further to that, they have got themselves a questionable reputation in the marketplace, as they have operated GE creditline and personal loan services for a long time, and certain 'Interest Free' promotions have caught some borrowers out.
I have dealt with them a few times, and all seems well. I have spoken to some that would cut off a limb before going near them.
You will hear good and bad about everyone in any given market.

The comparison rate does not (and is not required to) take into account the exit costs because you are not meant to take out a long term loan with the goal of short term refinancing. Generally, the lenders that have higher exis costs are the ones that offer the lowest ongoing rates, or at the complete other end of the scale the others are the ones that have a niche in the market. Bluestone, Peppers, Rams, Sieza and to a lesser extent GE money all have their respective place in the market.
Lets not forget that these guys are running a business, and they make money from borrowers in the form of interest over time. If a lender is willing to take on a client with credit impariment (as an example), they are putting theircash on the line to give that person a second chance. If that person sorts everything outin 8 months, and then buggers off to a mainstream funder, the organisation that went out on a limb has made nothing for it. This is particularly true of funders that will accept messy refinance statements. They cover their costs by charging interest, and they make profit from the exit fees.

My opinion is forget the exit costs, because if you really sit down and work it out, shopping around for the 'best' deal is more expensive in the long run. Get a competitive and reliable funder, that gives you the ability to switch/substitute security properties, and convert to alternative loans for a minimal costs. DEF and early payout fees should be the least of your worries.