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$4,000 personal loan over 12 months
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$355.40/mo
$4,000 personal loan · 12 months (1 years) · 12% APR
Payment by APR
| APR | Monthly | Total interest | Total repaid |
|---|---|---|---|
| 6% | $344.27 | $131 | $4,131 |
| 8% | $347.95 | $175 | $4,175 |
| 10% | $351.66 | $220 | $4,220 |
| 12% | $355.40 | $265 | $4,265 |
| 14% | $359.15 | $310 | $4,310 |
| 16% | $362.92 | $355 | $4,355 |
| 18% | $366.72 | $401 | $4,401 |
| 20% | $370.54 | $446 | $4,446 |
| 24% | $378.24 | $539 | $4,539 |
| 30% | $389.95 | $679 | $4,679 |
| 36% | $401.85 | $822 | $4,822 |
$4,000 at 12% – other terms
| Term | Monthly | Total interest |
|---|---|---|
| 12 months | $355.40 | $265 |
| 24 months | $188.29 | $519 |
| 36 months | $132.86 | $783 |
| 48 months | $105.34 | $1,056 |
| 60 months | $88.98 | $1,339 |
| 72 months | $78.20 | $1,630 |
| 84 months | $70.61 | $1,931 |
Shorter terms cost more per month but far less in total interest.
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FAQ
What is the monthly payment on a $4,000 personal loan for 12 months?
At 12% APR it is $355.40 per month; at 8% $347.95; at 24% $378.24.
How much interest does a $4,000 loan cost over 12 months?
About $265 at 12% APR, rising to $539 at 24%.
How does an origination fee change the cost?
A 5% fee ($200) is usually deducted from the payout, so you receive $3,800 but repay $4,000 plus interest. At 12% over 12 months that lifts the effective APR noticeably – compare lenders on APR, not rate.
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