The APR calculation on personal loans will vary depending on your lender – usually starting at 3% and capping at 35.99%. Representative loan example: If you borrow $5,000 on a 36 month repayment term and at a 10% APR, the monthly repayment will be $161.34, total repayment will be $5,808.24, and the total interest paid will be $808.24. The personal loan lenders and lending partners we work with may charge an origination fee for facilitating the loan to you. For example, on a $10,000 loan with a 5% origination fee, you will incur a $500 origination fee and receive $9,500 upon successful issuance of your loan. Rate, terms and fees will be based on your individual credit history and underwritten by the lender and not by BestMoney.com.