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$20,000 loan at 4% for 3 years

Monthly payment

$590.48/mo

Total interest

$1,257

Total paid back

$21,257

Term

36 payments

Borrowing $20,000 at 4% APR over 3 years (36 monthly payments) means you pay $590.48 each month. Over the full term you repay $21,257 in total — that's $1,257 of interest on top of the $20,000 you borrowed.

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