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$12,000 personal loan over 48 months
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$316.01/mo
$12,000 personal loan · 48 months (4 years) · 12% APR
Payment by APR
| APR | Monthly | Total interest | Total repaid |
|---|---|---|---|
| 6% | $281.82 | $1,527 | $13,527 |
| 8% | $292.96 | $2,062 | $14,062 |
| 10% | $304.35 | $2,609 | $14,609 |
| 12% | $316.01 | $3,168 | $15,168 |
| 14% | $327.92 | $3,740 | $15,740 |
| 16% | $340.08 | $4,324 | $16,324 |
| 18% | $352.50 | $4,920 | $16,920 |
| 20% | $365.16 | $5,528 | $17,528 |
| 24% | $391.22 | $6,779 | $18,779 |
| 30% | $432.07 | $8,739 | $20,739 |
| 36% | $474.93 | $10,797 | $22,797 |
$12,000 at 12% – other terms
| Term | Monthly | Total interest |
|---|---|---|
| 12 months | $1,066.19 | $794 |
| 24 months | $564.88 | $1,557 |
| 36 months | $398.57 | $2,349 |
| 48 months | $316.01 | $3,168 |
| 60 months | $266.93 | $4,016 |
| 72 months | $234.60 | $4,891 |
| 84 months | $211.83 | $5,794 |
Shorter terms cost more per month but far less in total interest.
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FAQ
What is the monthly payment on a $12,000 personal loan for 48 months?
At 12% APR it is $316.01 per month; at 8% $292.96; at 24% $391.22.
How much interest does a $12,000 loan cost over 48 months?
About $3,168 at 12% APR, rising to $6,779 at 24%.
How does an origination fee change the cost?
A 5% fee ($600) is usually deducted from the payout, so you receive $11,400 but repay $12,000 plus interest. At 12% over 48 months that lifts the effective APR noticeably – compare lenders on APR, not rate.
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