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05, with a total payback level of $one,800.93 which including the 3% cost paid out within the bank loan amount, would have a complete price of $255.ninety three. Consultant 19.99% APR. When you borrowed $five,000 around a 38 month period of time plus the loan had an six% origination charge ($300), your monthly repayments could be $182.seventy four,