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$3,000 personal loan over 48 months
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$79.00/mo
$3,000 personal loan · 48 months (4 years) · 12% APR
Payment by APR
| APR | Monthly | Total interest | Total repaid |
|---|---|---|---|
| 6% | $70.46 | $382 | $3,382 |
| 8% | $73.24 | $515 | $3,515 |
| 10% | $76.09 | $652 | $3,652 |
| 12% | $79.00 | $792 | $3,792 |
| 14% | $81.98 | $935 | $3,935 |
| 16% | $85.02 | $1,081 | $4,081 |
| 18% | $88.12 | $1,230 | $4,230 |
| 20% | $91.29 | $1,382 | $4,382 |
| 24% | $97.81 | $1,695 | $4,695 |
| 30% | $108.02 | $2,185 | $5,185 |
| 36% | $118.73 | $2,699 | $5,699 |
$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 48 months?
At 12% APR it is $79.00 per month; at 8% $73.24; at 24% $97.81.
How much interest does a $3,000 loan cost over 48 months?
About $792 at 12% APR, rising to $1,695 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 48 months that lifts the effective APR noticeably – compare lenders on APR, not rate.
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