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$5,000 personal loan over 48 months
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$131.67/mo
$5,000 personal loan · 48 months (4 years) · 12% APR
Payment by APR
| APR | Monthly | Total interest | Total repaid |
|---|---|---|---|
| 6% | $117.43 | $636 | $5,636 |
| 8% | $122.06 | $859 | $5,859 |
| 10% | $126.81 | $1,087 | $6,087 |
| 12% | $131.67 | $1,320 | $6,320 |
| 14% | $136.63 | $1,558 | $6,558 |
| 16% | $141.70 | $1,802 | $6,802 |
| 18% | $146.87 | $2,050 | $7,050 |
| 20% | $152.15 | $2,303 | $7,303 |
| 24% | $163.01 | $2,824 | $7,824 |
| 30% | $180.03 | $3,641 | $8,641 |
| 36% | $197.89 | $4,499 | $9,499 |
$5,000 at 12% – other terms
| Term | Monthly | Total interest |
|---|---|---|
| 12 months | $444.24 | $331 |
| 24 months | $235.37 | $649 |
| 36 months | $166.07 | $979 |
| 48 months | $131.67 | $1,320 |
| 60 months | $111.22 | $1,673 |
| 72 months | $97.75 | $2,038 |
| 84 months | $88.26 | $2,414 |
Shorter terms cost more per month but far less in total interest.
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FAQ
What is the monthly payment on a $5,000 personal loan for 48 months?
At 12% APR it is $131.67 per month; at 8% $122.06; at 24% $163.01.
How much interest does a $5,000 loan cost over 48 months?
About $1,320 at 12% APR, rising to $2,824 at 24%.
How does an origination fee change the cost?
A 5% fee ($250) is usually deducted from the payout, so you receive $4,750 but repay $5,000 plus interest. At 12% over 48 months that lifts the effective APR noticeably – compare lenders on APR, not rate.
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