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$5,000 personal loan over 72 months
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$97.75/mo
$5,000 personal loan · 72 months (6 years) · 12% APR
Payment by APR
| APR | Monthly | Total interest | Total repaid |
|---|---|---|---|
| 6% | $82.86 | $966 | $5,966 |
| 8% | $87.67 | $1,312 | $6,312 |
| 10% | $92.63 | $1,669 | $6,669 |
| 12% | $97.75 | $2,038 | $7,038 |
| 14% | $103.03 | $2,418 | $7,418 |
| 16% | $108.46 | $2,809 | $7,809 |
| 18% | $114.04 | $3,211 | $8,211 |
| 20% | $119.76 | $3,623 | $8,623 |
| 24% | $131.63 | $4,478 | $9,478 |
| 30% | $150.42 | $5,830 | $10,830 |
| 36% | $170.27 | $7,259 | $12,259 |
$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 72 months?
At 12% APR it is $97.75 per month; at 8% $87.67; at 24% $131.63.
How much interest does a $5,000 loan cost over 72 months?
About $2,038 at 12% APR, rising to $4,478 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 72 months that lifts the effective APR noticeably – compare lenders on APR, not rate.
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