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What is the monthly payment on a $75,000 loan at 12% for 4 years?

Answer
$1,975/month
Monthly payment: $1,975Total interest: $19,802Total cost: $94,80248 monthly payments

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How We Calculated This

M = P × [r(1+r)^n] / [(1+r)^n - 1]

P=$75,000, r=12%/12=1.0000%, n=48. M = $1,975

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Calculated using verified formulas. Last updated March 2026.