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$20,000 loan at 4% for 5 years

Monthly payment

$368.33/mo

Total interest

$2,100

Total paid back

$22,100

Term

60 payments

Borrowing $20,000 at 4% APR over 5 years (60 monthly payments) means you pay $368.33 each month. Over the full term you repay $22,100 in total — that's $2,100 of interest on top of the $20,000 you borrowed.

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