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What is the monthly payment on a $100,000 loan at 12% for 5 years?

Answer
$2,224/month
Monthly payment: $2,224Total interest: $33,467Total cost: $133,46760 monthly payments

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How We Calculated This

M = P × [r(1+r)^n] / [(1+r)^n - 1]

P=$100,000, r=12%/12=1.0000%, n=60. M = $2,224

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Calculated using verified formulas. Last updated March 2026.