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Amount × APR × term — monthly payment and total interest for installment loans.
Results
Monthly payment
$330/mo
Total interest
$4,793
Total paid
$19,793
Payment ≈ 330/mo for 60 months — total interest ≈ 4,793. Compare offers; shop APR before term length.
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Installment loans spread principal plus interest evenly over the term. A longer term cuts the monthly payment but raises total interest — sometimes dramatically at higher APRs.
Shop rate before term. A one-point APR difference on a five-year loan can outweigh stretching to seven years at a worse rate.
Origination fees and prepayment penalties are not modeled here. Read the disclosure before you sign.
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