{
  "publisher": "BorrowYourLoan / Infusion Tech",
  "version": "2026-11-06",
  "kind": "Original deterministic illustration; synthetic assumptions, not observed lender prices or offers",
  "page": "https://www.borrowyourloan.com/resources/personal-loan-origination-fees",
  "assumptions": {
    "net_cash_usd": "10000",
    "annual_note_rate_percent": "12",
    "months": 36,
    "withheld_fee_percents": [
      0,
      3,
      5,
      8
    ],
    "first_payment": "one equal monthly period after funding",
    "other_fees": 0,
    "rounding": "Full precision internally; table and CSV display dollars rounded to cents; no cent-rounded lender schedule asserted",
    "apr": "Monthly present-value solution times12, not effective annual yield or a lender disclosure; no irregular periods"
  },
  "equations": {
    "gross_principal": "net_cash/(1-fee_percent/100)",
    "payment": "principal*r/(1-(1+r)^(-n)), r=annual_note_rate_percent/1200",
    "apr": "Solve net_cash=sum(payment/(1+i)^k,k=1..n); estimated APR percent=1200*i",
    "balance": "closing=opening*(1+r)-payment"
  },
  "fee_scenarios": [
    {
      "withheld_fee_percent": 0,
      "net_cash": "10000",
      "gross_principal": "10000",
      "monthly_payment": "332.143098128511946856993342068153767885087042953416149756799",
      "annual_note_rate_percent": "12",
      "estimated_apr_percent": "11.9999999999999999999999999999999999999999999999999999999940",
      "total_repayment": "11957.1515326264300868517603144535356438631335463229813912448",
      "finance_cost_over_net": "1957.1515326264300868517603144535356438631335463229813912448"
    },
    {
      "withheld_fee_percent": 3,
      "net_cash": "10000",
      "gross_principal": "10309.2783505154639175257731958762886597938144329896907216495",
      "monthly_payment": "342.415565080940151398962208317684296788749528817954793563710",
      "annual_note_rate_percent": "12",
      "estimated_apr_percent": "14.1315486569787148709230510757384071317738957207681758002860",
      "total_repayment": "12326.9603429138454503626394994366346843949830374463725682936",
      "finance_cost_over_net": "2326.9603429138454503626394994366346843949830374463725682936"
    },
    {
      "withheld_fee_percent": 5,
      "net_cash": "10000",
      "gross_principal": "10526.3157894736842105263157894736842105263157894736842105263",
      "monthly_payment": "349.624313819486259849466675861214492510617939950964368165051",
      "annual_note_rate_percent": "12",
      "estimated_apr_percent": "15.6052017354201527827750935472632246280195218344077635793620",
      "total_repayment": "12586.4752975015053545808003310037217303822458382347172539418",
      "finance_cost_over_net": "2586.4752975015053545808003310037217303822458382347172539418"
    },
    {
      "withheld_fee_percent": 8,
      "net_cash": "10000",
      "gross_principal": "10869.5652173913043478260869565217391304347826086956521739130",
      "monthly_payment": "361.025106661426029192384067465384530309877220601539293213910",
      "annual_note_rate_percent": "12",
      "estimated_apr_percent": "17.9005192143644541312945765600585704739464819119769638149660",
      "total_repayment": "12996.9038398113370509258264287538430911555799416554145557008",
      "finance_cost_over_net": "2996.9038398113370509258264287538430911555799416554145557008"
    }
  ],
  "five_percent_schedule": [
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      "closing_balance": "10281.9546335489347927821122715072065601209610074174566844665"
    },
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      "closing_balance": "10035.1498660649378808604667183610641332115526775406668831461"
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      "interest": "6.88898020563834312613888852544888863784278070092577570837863",
      "principal_paid": "342.735333613847916723327787335765603872775159250038592456672",
      "closing_balance": "346.162686949986395890561065209123259911502910842538978381191"
    },
    {
      "month": 36,
      "opening_balance": "346.162686949986395890561065209123259911502910842538978381191",
      "payment": "349.624313819486259849466675861214492510617939950964368165051",
      "interest": "3.46162686949986395890561065209123259911502910842538978381191",
      "principal_paid": "346.162686949986395890561065209123259911502910842538978381239",
      "closing_balance": "0"
    }
  ],
  "five_percent_annual_summary": [
    {
      "year": 1,
      "payments": "4195.49176583383511819360011033457391012741527941157241798061",
      "interest": "1096.38066950990550462074952226758624433493852059856604861553",
      "principal_paid": "3099.11109632392961357285058806698766579247675881300636936509",
      "closing_balance": "7427.20469314975459695346520140669654473383903066067784116117"
    },
    {
      "year": 2,
      "payments": "4195.49176583383511819360011033457391012741527941157241798061",
      "interest": "703.335811336301415981586962847077015478159596709236703853903",
      "principal_paid": "3492.15595449753370221201314748749689464925568270233571412670",
      "closing_balance": "3935.04873865222089474145205391919965008458334795834212703447"
    },
    {
      "year": 3,
      "payments": "4195.49176583383511819360011033457391012741527941157241798061",
      "interest": "260.443027181614223452148056415374260042831931453230290946092",
      "principal_paid": "3935.04873865222089474145205391919965008458334795834212703452",
      "closing_balance": "0"
    }
  ],
  "sources": [
    {
      "url": "https://www.consumerfinance.gov/ask-cfpb/do-personal-installment-loans-have-fees-en-2120/",
      "role": "Fee/disclosure context, not BYL numerical inputs"
    },
    {
      "url": "https://www.consumerfinance.gov/rules-policy/regulations/1026/18/",
      "role": "Closed-end disclosure terminology, not legal certification of this model"
    },
    {
      "url": "https://www.consumerfinance.gov/rules-policy/regulations/1026/j/",
      "role": "Actuarial APR and unit-period framework; BYL is a simplified regular-month illustration"
    }
  ]
}