Shopping Tool
APR Comparison Tool
See how the same loan amount behaves across terms—so you understand the real cost of a longer loan.
At 6.9% APR
| Term | Payment | Total Interest | Total Cost |
|---|---|---|---|
| 48 mo | $717/mo | $4,416 | $34,416 |
| 60 mo | $593/mo | $5,557 | $35,557 |
| 72 mo | $510/mo | $6,722 | $36,722 |
Longer terms lower your payment but cost more in interest over time. A shorter term at the same APR is almost always cheaper overall.
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Estimates for planning only. Your actual APR depends on your credit, lender, and term. This is not an offer of financing.