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$10,000 personal loan over 48 months
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$263.34/mo
$10,000 personal loan · 48 months (4 years) · 12% APR
Payment by APR
| APR | Monthly | Total interest | Total repaid |
|---|---|---|---|
| 6% | $234.85 | $1,273 | $11,273 |
| 8% | $244.13 | $1,718 | $11,718 |
| 10% | $253.63 | $2,174 | $12,174 |
| 12% | $263.34 | $2,640 | $12,640 |
| 14% | $273.26 | $3,117 | $13,117 |
| 16% | $283.40 | $3,603 | $13,603 |
| 18% | $293.75 | $4,100 | $14,100 |
| 20% | $304.30 | $4,607 | $14,607 |
| 24% | $326.02 | $5,649 | $15,649 |
| 30% | $360.06 | $7,283 | $17,283 |
| 36% | $395.78 | $8,997 | $18,997 |
$10,000 at 12% – other terms
| Term | Monthly | Total interest |
|---|---|---|
| 12 months | $888.49 | $662 |
| 24 months | $470.73 | $1,298 |
| 36 months | $332.14 | $1,957 |
| 48 months | $263.34 | $2,640 |
| 60 months | $222.44 | $3,347 |
| 72 months | $195.50 | $4,076 |
| 84 months | $176.53 | $4,828 |
Shorter terms cost more per month but far less in total interest.
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FAQ
What is the monthly payment on a $10,000 personal loan for 48 months?
At 12% APR it is $263.34 per month; at 8% $244.13; at 24% $326.02.
How much interest does a $10,000 loan cost over 48 months?
About $2,640 at 12% APR, rising to $5,649 at 24%.
How does an origination fee change the cost?
A 5% fee ($500) is usually deducted from the payout, so you receive $9,500 but repay $10,000 plus interest. At 12% over 48 months that lifts the effective APR noticeably – compare lenders on APR, not rate.
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