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$3,000 personal loan over 36 months
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$99.64/mo
$3,000 personal loan · 36 months (3 years) · 12% APR
Payment by APR
| APR | Monthly | Total interest | Total repaid |
|---|---|---|---|
| 6% | $91.27 | $286 | $3,286 |
| 8% | $94.01 | $384 | $3,384 |
| 10% | $96.80 | $485 | $3,485 |
| 12% | $99.64 | $587 | $3,587 |
| 14% | $102.53 | $691 | $3,691 |
| 16% | $105.47 | $797 | $3,797 |
| 18% | $108.46 | $904 | $3,904 |
| 20% | $111.49 | $1,014 | $4,014 |
| 24% | $117.70 | $1,237 | $4,237 |
| 30% | $127.35 | $1,585 | $4,585 |
| 36% | $137.41 | $1,947 | $4,947 |
$3,000 at 12% – other terms
| Term | Monthly | Total interest |
|---|---|---|
| 12 months | $266.55 | $199 |
| 24 months | $141.22 | $389 |
| 36 months | $99.64 | $587 |
| 48 months | $79.00 | $792 |
| 60 months | $66.73 | $1,004 |
| 72 months | $58.65 | $1,223 |
| 84 months | $52.96 | $1,448 |
Shorter terms cost more per month but far less in total interest.
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FAQ
What is the monthly payment on a $3,000 personal loan for 36 months?
At 12% APR it is $99.64 per month; at 8% $94.01; at 24% $117.70.
How much interest does a $3,000 loan cost over 36 months?
About $587 at 12% APR, rising to $1,237 at 24%.
How does an origination fee change the cost?
A 5% fee ($150) is usually deducted from the payout, so you receive $2,850 but repay $3,000 plus interest. At 12% over 36 months that lifts the effective APR noticeably – compare lenders on APR, not rate.
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