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05, with a complete payback amount of $one,800.93 which including the 3% payment paid through the loan amount, would have a complete cost of $255.93. Agent 19.99% APR. If you borrowed $five,000 above a 38 thirty day period time period and the loan had an 6% origination rate ($three hundred), your month to month repayments can be $182.74, with a tot