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05, with a total payback amount of $1,800.93 which such as the 3% cost compensated through the loan total, would have a complete cost of $255.ninety three. Consultant 19.99% APR. For those who borrowed $5,000 over a 38 month time period and also the loan experienced an 6% origination charge ($300), your regular monthly repayments would be $182.seve