{ "metadata": { "title": "BorrowYourLoan Loan Cost Index \u2014 Personal Loan Scenarios", "version": "1.0.0", "date_created": "2026-10-22", "responsible_organization": "Borrow Your Loan", "canonical_url": "https://www.borrowyourloan.com/resources/loan-cost-index", "methodology_url": "https://www.borrowyourloan.com/resources/loan-cost-index-methodology", "type": "Deterministic scenario dataset, not a market-rate index", "scenario_count": 420, "comparison_count": 140, "amounts_usd": [ 2500, 5000, 7500, 10000, 15000, 20000, 25000, 30000, 40000, 50000 ], "rates_pct": [ 6, 10, 15, 20, 25, 30, 36 ], "terms_months": [ 12, 24, 36, 48, 60, 72 ], "assumptions": [ "Synthetic mathematical scenarios; not observed rates, market averages, lender quotes or available loan offers.", "Fixed annual interest rate equals APR only because modeled mandatory fees are zero.", "Equal monthly periods, first payment one month after disbursement, fully amortizing scheduled payments, no missed/extra payments.", "No origination fees, taxes, insurance, penalties, optional products, daily-interest or irregular-period adjustments.", "Scenario coverage does not establish product or term availability, state eligibility or underwriting criteria.", "60-digit Decimal calculations; ROUND_HALF_UP to cents only for output; totals and deltas use unrounded values." ], "formula": "r = annual_interest_rate_pct / 1200; M = P*r/(1-(1+r)^(-n)); at r=0, M=P/n; total=M*n; interest=total-P", "rounding": "ROUND_HALF_UP to cents after full-precision calculation", "definitions": { "scenario_id": "Unique principal/rate/term identifier.", "principal_usd": "Gross modeled principal in US dollars.", "annual_interest_rate_pct": "Fixed nominal annual interest rate; divide by 1200 to obtain monthly rate.", "illustrative_fee_free_apr_pct": "Equals modeled interest rate only under zero-fee assumptions. Not a regulatory APR disclosure.", "term_months": "Number of monthly payments.", "monthly_payment_usd": "Unrounded amortization payment rounded to cents for display.", "total_interest_usd": "Unrounded total repayment less principal, rounded to cents.", "total_repayment_usd": "Unrounded monthly payment multiplied by term, rounded to cents.", "versus_10pct_*": "Scenario minus 10% scenario at identical principal and term, computed before rounding. Positive means higher.", "versus_36months_*": "Scenario minus 36-month scenario at identical principal and rate, computed before rounding. Positive means higher.", "short_* / long_*": "Payment, interest and repayment for the named terms at identical principal/rate.", "monthly_payment_reduction_usd": "Short-term payment minus long-term payment, rounded only after subtraction.", "additional_interest_usd / additional_repayment_usd": "Long-term outcome minus short-term outcome; no fees in this model." }, "interpretation": "This is a scenario reference grid, not a weighted economic index or prediction. $30,000\u2013$50,000 examples and 12/72-month examples are stress/comparison inputs, not BYL availability claims.", "primary_reference": "https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-loan-interest-rate-and-the-apr-en-733/" }, "scenarios": [ { "scenario_id": "P2500-R6-T12", "principal_usd": "2500", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 12, "monthly_payment_usd": "215.17", "total_interest_usd": "81.99", "total_repayment_usd": "2581.99", "versus_10pct_payment_delta_usd": "-4.62", "versus_10pct_interest_delta_usd": "-55.48", "versus_10pct_repayment_delta_usd": "-55.48", "versus_36months_payment_delta_usd": "139.11", "versus_36months_interest_delta_usd": "-155.98", "versus_36months_repayment_delta_usd": "-155.98" }, { "scenario_id": "P2500-R6-T24", "principal_usd": "2500", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 24, "monthly_payment_usd": "110.80", "total_interest_usd": "159.24", "total_repayment_usd": "2659.24", "versus_10pct_payment_delta_usd": "-4.56", "versus_10pct_interest_delta_usd": "-109.46", "versus_10pct_repayment_delta_usd": "-109.46", "versus_36months_payment_delta_usd": "34.75", "versus_36months_interest_delta_usd": "-78.74", "versus_36months_repayment_delta_usd": "-78.74" }, { "scenario_id": "P2500-R6-T36", "principal_usd": "2500", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 36, "monthly_payment_usd": "76.05", "total_interest_usd": "237.97", "total_repayment_usd": "2737.97", "versus_10pct_payment_delta_usd": "-4.61", "versus_10pct_interest_delta_usd": "-166.07", "versus_10pct_repayment_delta_usd": "-166.07", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P2500-R6-T48", "principal_usd": "2500", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 48, "monthly_payment_usd": "58.71", "total_interest_usd": "318.20", "total_repayment_usd": "2818.20", "versus_10pct_payment_delta_usd": "-4.69", "versus_10pct_interest_delta_usd": "-225.31", "versus_10pct_repayment_delta_usd": "-225.31", "versus_36months_payment_delta_usd": "-17.34", "versus_36months_interest_delta_usd": "80.23", "versus_36months_repayment_delta_usd": "80.23" }, { "scenario_id": "P2500-R6-T60", "principal_usd": "2500", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 60, "monthly_payment_usd": "48.33", "total_interest_usd": "399.92", "total_repayment_usd": "2899.92", "versus_10pct_payment_delta_usd": "-4.79", "versus_10pct_interest_delta_usd": "-287.14", "versus_10pct_repayment_delta_usd": "-287.14", "versus_36months_payment_delta_usd": "-27.72", "versus_36months_interest_delta_usd": "161.95", "versus_36months_repayment_delta_usd": "161.95" }, { "scenario_id": "P2500-R6-T72", "principal_usd": "2500", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 72, "monthly_payment_usd": "41.43", "total_interest_usd": "483.12", "total_repayment_usd": "2983.12", "versus_10pct_payment_delta_usd": "-4.88", "versus_10pct_interest_delta_usd": "-351.53", "versus_10pct_repayment_delta_usd": "-351.53", "versus_36months_payment_delta_usd": "-34.62", "versus_36months_interest_delta_usd": "245.15", "versus_36months_repayment_delta_usd": "245.15" }, { "scenario_id": "P2500-R10-T12", "principal_usd": "2500", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 12, "monthly_payment_usd": "219.79", "total_interest_usd": "137.48", "total_repayment_usd": "2637.48", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "139.12", "versus_36months_interest_delta_usd": "-266.57", "versus_36months_repayment_delta_usd": "-266.57" }, { "scenario_id": "P2500-R10-T24", "principal_usd": "2500", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 24, "monthly_payment_usd": "115.36", "total_interest_usd": "268.70", "total_repayment_usd": "2768.70", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "34.69", "versus_36months_interest_delta_usd": "-135.35", "versus_36months_repayment_delta_usd": "-135.35" }, { "scenario_id": "P2500-R10-T36", "principal_usd": "2500", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 36, "monthly_payment_usd": "80.67", "total_interest_usd": "404.05", "total_repayment_usd": "2904.05", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P2500-R10-T48", "principal_usd": "2500", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 48, "monthly_payment_usd": "63.41", "total_interest_usd": "543.51", "total_repayment_usd": "3043.51", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "-17.26", "versus_36months_interest_delta_usd": "139.46", "versus_36months_repayment_delta_usd": "139.46" }, { "scenario_id": "P2500-R10-T60", "principal_usd": "2500", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 60, "monthly_payment_usd": "53.12", "total_interest_usd": "687.06", "total_repayment_usd": "3187.06", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "-27.55", "versus_36months_interest_delta_usd": "283.01", "versus_36months_repayment_delta_usd": "283.01" }, { "scenario_id": "P2500-R10-T72", "principal_usd": "2500", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 72, "monthly_payment_usd": "46.31", "total_interest_usd": "834.65", "total_repayment_usd": "3334.65", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "-34.35", "versus_36months_interest_delta_usd": "430.60", "versus_36months_repayment_delta_usd": "430.60" }, { "scenario_id": "P2500-R15-T12", "principal_usd": "2500", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 12, "monthly_payment_usd": "225.65", "total_interest_usd": "207.75", "total_repayment_usd": "2707.75", "versus_10pct_payment_delta_usd": "5.86", "versus_10pct_interest_delta_usd": "70.27", "versus_10pct_repayment_delta_usd": "70.27", "versus_36months_payment_delta_usd": "138.98", "versus_36months_interest_delta_usd": "-412.13", "versus_36months_repayment_delta_usd": "-412.13" }, { "scenario_id": "P2500-R15-T24", "principal_usd": "2500", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 24, "monthly_payment_usd": "121.22", "total_interest_usd": "409.20", "total_repayment_usd": "2909.20", "versus_10pct_payment_delta_usd": "5.85", "versus_10pct_interest_delta_usd": "140.50", "versus_10pct_repayment_delta_usd": "140.50", "versus_36months_payment_delta_usd": "34.55", "versus_36months_interest_delta_usd": "-210.68", "versus_36months_repayment_delta_usd": "-210.68" }, { "scenario_id": "P2500-R15-T36", "principal_usd": "2500", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 36, "monthly_payment_usd": "86.66", "total_interest_usd": "619.88", "total_repayment_usd": "3119.88", "versus_10pct_payment_delta_usd": "6.00", "versus_10pct_interest_delta_usd": "215.83", "versus_10pct_repayment_delta_usd": "215.83", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P2500-R15-T48", "principal_usd": "2500", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 48, "monthly_payment_usd": "69.58", "total_interest_usd": "839.69", "total_repayment_usd": "3339.69", "versus_10pct_payment_delta_usd": "6.17", "versus_10pct_interest_delta_usd": "296.18", "versus_10pct_repayment_delta_usd": "296.18", "versus_36months_payment_delta_usd": "-17.09", "versus_36months_interest_delta_usd": "219.81", "versus_36months_repayment_delta_usd": "219.81" }, { "scenario_id": "P2500-R15-T60", "principal_usd": "2500", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 60, "monthly_payment_usd": "59.47", "total_interest_usd": "1068.49", "total_repayment_usd": "3568.49", "versus_10pct_payment_delta_usd": "6.36", "versus_10pct_interest_delta_usd": "381.43", "versus_10pct_repayment_delta_usd": "381.43", "versus_36months_payment_delta_usd": "-27.19", "versus_36months_interest_delta_usd": "448.61", "versus_36months_repayment_delta_usd": "448.61" }, { "scenario_id": "P2500-R15-T72", "principal_usd": "2500", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 72, "monthly_payment_usd": "52.86", "total_interest_usd": "1306.10", "total_repayment_usd": "3806.10", "versus_10pct_payment_delta_usd": "6.55", "versus_10pct_interest_delta_usd": "471.45", "versus_10pct_repayment_delta_usd": "471.45", "versus_36months_payment_delta_usd": "-33.80", "versus_36months_interest_delta_usd": "686.22", "versus_36months_repayment_delta_usd": "686.22" }, { "scenario_id": "P2500-R20-T12", "principal_usd": "2500", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 12, "monthly_payment_usd": "231.59", "total_interest_usd": "279.04", "total_repayment_usd": "2779.04", "versus_10pct_payment_delta_usd": "11.80", "versus_10pct_interest_delta_usd": "141.56", "versus_10pct_repayment_delta_usd": "141.56", "versus_36months_payment_delta_usd": "138.68", "versus_36months_interest_delta_usd": "-565.69", "versus_36months_repayment_delta_usd": "-565.69" }, { "scenario_id": "P2500-R20-T24", "principal_usd": "2500", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 24, "monthly_payment_usd": "127.24", "total_interest_usd": "553.75", "total_repayment_usd": "3053.75", "versus_10pct_payment_delta_usd": "11.88", "versus_10pct_interest_delta_usd": "285.05", "versus_10pct_repayment_delta_usd": "285.05", "versus_36months_payment_delta_usd": "34.33", "versus_36months_interest_delta_usd": "-290.97", "versus_36months_repayment_delta_usd": "-290.97" }, { "scenario_id": "P2500-R20-T36", "principal_usd": "2500", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 36, "monthly_payment_usd": "92.91", "total_interest_usd": "844.72", "total_repayment_usd": "3344.72", "versus_10pct_payment_delta_usd": "12.24", "versus_10pct_interest_delta_usd": "440.68", "versus_10pct_repayment_delta_usd": "440.68", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P2500-R20-T48", "principal_usd": "2500", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 48, "monthly_payment_usd": "76.08", "total_interest_usd": "1151.64", "total_repayment_usd": "3651.64", "versus_10pct_payment_delta_usd": "12.67", "versus_10pct_interest_delta_usd": "608.13", "versus_10pct_repayment_delta_usd": "608.13", "versus_36months_payment_delta_usd": "-16.83", "versus_36months_interest_delta_usd": "306.92", "versus_36months_repayment_delta_usd": "306.92" }, { "scenario_id": "P2500-R20-T60", "principal_usd": "2500", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 60, "monthly_payment_usd": "66.23", "total_interest_usd": "1474.08", "total_repayment_usd": "3974.08", "versus_10pct_payment_delta_usd": "13.12", "versus_10pct_interest_delta_usd": "787.03", "versus_10pct_repayment_delta_usd": "787.03", "versus_36months_payment_delta_usd": "-26.67", "versus_36months_interest_delta_usd": "629.36", "versus_36months_repayment_delta_usd": "629.36" }, { "scenario_id": "P2500-R20-T72", "principal_usd": "2500", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 72, "monthly_payment_usd": "59.88", "total_interest_usd": "1811.51", "total_repayment_usd": "4311.51", "versus_10pct_payment_delta_usd": "13.57", "versus_10pct_interest_delta_usd": "976.86", "versus_10pct_repayment_delta_usd": "976.86", "versus_36months_payment_delta_usd": "-33.03", "versus_36months_interest_delta_usd": "966.79", "versus_36months_repayment_delta_usd": "966.79" }, { "scenario_id": "P2500-R25-T12", "principal_usd": "2500", "annual_interest_rate_pct": "25", "illustrative_fee_free_apr_pct": "25", "term_months": 12, "monthly_payment_usd": "237.61", "total_interest_usd": "351.33", "total_repayment_usd": "2851.33", "versus_10pct_payment_delta_usd": "17.82", "versus_10pct_interest_delta_usd": "213.85", "versus_10pct_repayment_delta_usd": "213.85", "versus_36months_payment_delta_usd": "138.21", "versus_36months_interest_delta_usd": "-727.06", "versus_36months_repayment_delta_usd": "-727.06" }, { "scenario_id": "P2500-R25-T24", "principal_usd": "2500", "annual_interest_rate_pct": "25", "illustrative_fee_free_apr_pct": "25", "term_months": 24, "monthly_payment_usd": "133.43", "total_interest_usd": "702.29", "total_repayment_usd": "3202.29", "versus_10pct_payment_delta_usd": "18.07", "versus_10pct_interest_delta_usd": "433.60", "versus_10pct_repayment_delta_usd": "433.60", "versus_36months_payment_delta_usd": "34.03", "versus_36months_interest_delta_usd": "-376.09", "versus_36months_repayment_delta_usd": "-376.09" }, { "scenario_id": "P2500-R25-T36", "principal_usd": "2500", "annual_interest_rate_pct": "25", "illustrative_fee_free_apr_pct": "25", "term_months": 36, "monthly_payment_usd": "99.40", "total_interest_usd": "1078.38", "total_repayment_usd": "3578.38", "versus_10pct_payment_delta_usd": "18.73", "versus_10pct_interest_delta_usd": "674.34", "versus_10pct_repayment_delta_usd": "674.34", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P2500-R25-T48", "principal_usd": "2500", "annual_interest_rate_pct": "25", "illustrative_fee_free_apr_pct": "25", "term_months": 48, "monthly_payment_usd": "82.89", "total_interest_usd": "1478.86", "total_repayment_usd": "3978.86", "versus_10pct_payment_delta_usd": "19.49", "versus_10pct_interest_delta_usd": "935.35", "versus_10pct_repayment_delta_usd": "935.35", "versus_36months_payment_delta_usd": "-16.51", "versus_36months_interest_delta_usd": "400.47", "versus_36months_repayment_delta_usd": "400.47" }, { "scenario_id": "P2500-R25-T60", "principal_usd": "2500", "annual_interest_rate_pct": "25", "illustrative_fee_free_apr_pct": "25", "term_months": 60, "monthly_payment_usd": "73.38", "total_interest_usd": "1902.70", "total_repayment_usd": "4402.70", "versus_10pct_payment_delta_usd": "20.26", "versus_10pct_interest_delta_usd": "1215.64", "versus_10pct_repayment_delta_usd": "1215.64", "versus_36months_payment_delta_usd": "-26.02", "versus_36months_interest_delta_usd": "824.31", "versus_36months_repayment_delta_usd": "824.31" }, { "scenario_id": "P2500-R25-T72", "principal_usd": "2500", "annual_interest_rate_pct": "25", "illustrative_fee_free_apr_pct": "25", "term_months": 72, "monthly_payment_usd": "67.34", "total_interest_usd": "2348.69", "total_repayment_usd": "4848.69", "versus_10pct_payment_delta_usd": "21.03", "versus_10pct_interest_delta_usd": "1514.04", "versus_10pct_repayment_delta_usd": "1514.04", "versus_36months_payment_delta_usd": "-32.06", "versus_36months_interest_delta_usd": "1270.31", "versus_36months_repayment_delta_usd": "1270.31" }, { "scenario_id": "P2500-R30-T12", "principal_usd": "2500", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 12, "monthly_payment_usd": "243.72", "total_interest_usd": "424.61", "total_repayment_usd": "2924.61", "versus_10pct_payment_delta_usd": "23.93", "versus_10pct_interest_delta_usd": "287.14", "versus_10pct_repayment_delta_usd": "287.14", "versus_36months_payment_delta_usd": "137.59", "versus_36months_interest_delta_usd": "-896.03", "versus_36months_repayment_delta_usd": "-896.03" }, { "scenario_id": "P2500-R30-T24", "principal_usd": "2500", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 24, "monthly_payment_usd": "139.78", "total_interest_usd": "854.77", "total_repayment_usd": "3354.77", "versus_10pct_payment_delta_usd": "24.42", "versus_10pct_interest_delta_usd": "586.07", "versus_10pct_repayment_delta_usd": "586.07", "versus_36months_payment_delta_usd": "33.65", "versus_36months_interest_delta_usd": "-465.87", "versus_36months_repayment_delta_usd": "-465.87" }, { "scenario_id": "P2500-R30-T36", "principal_usd": "2500", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 36, "monthly_payment_usd": "106.13", "total_interest_usd": "1320.64", "total_repayment_usd": "3820.64", "versus_10pct_payment_delta_usd": "25.46", "versus_10pct_interest_delta_usd": "916.60", "versus_10pct_repayment_delta_usd": "916.60", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P2500-R30-T48", "principal_usd": "2500", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 48, "monthly_payment_usd": "90.01", "total_interest_usd": "1820.72", "total_repayment_usd": "4320.72", "versus_10pct_payment_delta_usd": "26.61", "versus_10pct_interest_delta_usd": "1277.21", "versus_10pct_repayment_delta_usd": "1277.21", "versus_36months_payment_delta_usd": "-16.11", "versus_36months_interest_delta_usd": "500.08", "versus_36months_repayment_delta_usd": "500.08" }, { "scenario_id": "P2500-R30-T60", "principal_usd": "2500", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 60, "monthly_payment_usd": "80.88", "total_interest_usd": "2353.01", "total_repayment_usd": "4853.01", "versus_10pct_payment_delta_usd": "27.77", "versus_10pct_interest_delta_usd": "1665.95", "versus_10pct_repayment_delta_usd": "1665.95", "versus_36months_payment_delta_usd": "-25.25", "versus_36months_interest_delta_usd": "1032.37", "versus_36months_repayment_delta_usd": "1032.37" }, { "scenario_id": "P2500-R30-T72", "principal_usd": "2500", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 72, "monthly_payment_usd": "75.21", "total_interest_usd": "2915.15", "total_repayment_usd": "5415.15", "versus_10pct_payment_delta_usd": "28.90", "versus_10pct_interest_delta_usd": "2080.50", "versus_10pct_repayment_delta_usd": "2080.50", "versus_36months_payment_delta_usd": "-30.92", "versus_36months_interest_delta_usd": "1594.51", "versus_36months_repayment_delta_usd": "1594.51" }, { "scenario_id": "P2500-R36-T12", "principal_usd": "2500", "annual_interest_rate_pct": "36", "illustrative_fee_free_apr_pct": "36", "term_months": 12, "monthly_payment_usd": "251.16", "total_interest_usd": "513.86", "total_repayment_usd": "3013.86", "versus_10pct_payment_delta_usd": "31.37", "versus_10pct_interest_delta_usd": "376.39", "versus_10pct_repayment_delta_usd": "376.39", "versus_36months_payment_delta_usd": "136.65", "versus_36months_interest_delta_usd": "-1108.48", "versus_36months_repayment_delta_usd": "-1108.48" }, { "scenario_id": "P2500-R36-T24", "principal_usd": "2500", "annual_interest_rate_pct": "36", "illustrative_fee_free_apr_pct": "36", "term_months": 24, "monthly_payment_usd": "147.62", "total_interest_usd": "1042.84", "total_repayment_usd": "3542.84", "versus_10pct_payment_delta_usd": "32.26", "versus_10pct_interest_delta_usd": "774.15", "versus_10pct_repayment_delta_usd": "774.15", "versus_36months_payment_delta_usd": "33.11", "versus_36months_interest_delta_usd": "-579.50", "versus_36months_repayment_delta_usd": "-579.50" }, { "scenario_id": "P2500-R36-T36", "principal_usd": "2500", "annual_interest_rate_pct": "36", "illustrative_fee_free_apr_pct": "36", "term_months": 36, "monthly_payment_usd": "114.51", "total_interest_usd": "1622.34", "total_repayment_usd": "4122.34", "versus_10pct_payment_delta_usd": "33.84", "versus_10pct_interest_delta_usd": "1218.29", "versus_10pct_repayment_delta_usd": "1218.29", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P2500-R36-T48", "principal_usd": "2500", "annual_interest_rate_pct": "36", "illustrative_fee_free_apr_pct": "36", "term_months": 48, "monthly_payment_usd": "98.94", "total_interest_usd": "2249.33", "total_repayment_usd": "4749.33", "versus_10pct_payment_delta_usd": "35.54", "versus_10pct_interest_delta_usd": "1705.82", "versus_10pct_repayment_delta_usd": "1705.82", "versus_36months_payment_delta_usd": "-15.57", "versus_36months_interest_delta_usd": "626.99", "versus_36months_repayment_delta_usd": "626.99" }, { "scenario_id": "P2500-R36-T60", "principal_usd": "2500", "annual_interest_rate_pct": "36", "illustrative_fee_free_apr_pct": "36", "term_months": 60, "monthly_payment_usd": "90.33", "total_interest_usd": "2919.94", "total_repayment_usd": "5419.94", "versus_10pct_payment_delta_usd": "37.21", "versus_10pct_interest_delta_usd": "2232.89", "versus_10pct_repayment_delta_usd": "2232.89", "versus_36months_payment_delta_usd": "-24.18", "versus_36months_interest_delta_usd": "1297.60", "versus_36months_repayment_delta_usd": "1297.60" }, { "scenario_id": "P2500-R36-T72", "principal_usd": "2500", "annual_interest_rate_pct": "36", "illustrative_fee_free_apr_pct": "36", "term_months": 72, "monthly_payment_usd": "85.14", "total_interest_usd": "3629.73", "total_repayment_usd": "6129.73", "versus_10pct_payment_delta_usd": "38.82", "versus_10pct_interest_delta_usd": "2795.08", "versus_10pct_repayment_delta_usd": "2795.08", "versus_36months_payment_delta_usd": "-29.37", "versus_36months_interest_delta_usd": "2007.39", "versus_36months_repayment_delta_usd": "2007.39" }, { "scenario_id": "P5000-R6-T12", "principal_usd": "5000", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 12, "monthly_payment_usd": "430.33", "total_interest_usd": "163.99", "total_repayment_usd": "5163.99", "versus_10pct_payment_delta_usd": "-9.25", "versus_10pct_interest_delta_usd": "-110.97", "versus_10pct_repayment_delta_usd": "-110.97", "versus_36months_payment_delta_usd": "278.22", "versus_36months_interest_delta_usd": "-311.96", "versus_36months_repayment_delta_usd": "-311.96" }, { "scenario_id": "P5000-R6-T24", "principal_usd": "5000", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 24, "monthly_payment_usd": "221.60", "total_interest_usd": "318.47", "total_repayment_usd": "5318.47", "versus_10pct_payment_delta_usd": "-9.12", "versus_10pct_interest_delta_usd": "-218.92", "versus_10pct_repayment_delta_usd": "-218.92", "versus_36months_payment_delta_usd": "69.49", "versus_36months_interest_delta_usd": "-157.48", "versus_36months_repayment_delta_usd": "-157.48" }, { "scenario_id": "P5000-R6-T36", "principal_usd": "5000", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 36, "monthly_payment_usd": "152.11", "total_interest_usd": "475.95", "total_repayment_usd": "5475.95", "versus_10pct_payment_delta_usd": "-9.23", "versus_10pct_interest_delta_usd": "-332.14", "versus_10pct_repayment_delta_usd": "-332.14", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P5000-R6-T48", "principal_usd": "5000", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 48, "monthly_payment_usd": "117.43", "total_interest_usd": "636.41", "total_repayment_usd": "5636.41", "versus_10pct_payment_delta_usd": "-9.39", "versus_10pct_interest_delta_usd": "-450.61", "versus_10pct_repayment_delta_usd": "-450.61", "versus_36months_payment_delta_usd": "-34.68", "versus_36months_interest_delta_usd": "160.46", "versus_36months_repayment_delta_usd": "160.46" }, { "scenario_id": "P5000-R6-T60", "principal_usd": "5000", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 60, "monthly_payment_usd": "96.66", "total_interest_usd": "799.84", "total_repayment_usd": "5799.84", "versus_10pct_payment_delta_usd": "-9.57", "versus_10pct_interest_delta_usd": "-574.27", "versus_10pct_repayment_delta_usd": "-574.27", "versus_36months_payment_delta_usd": "-55.45", "versus_36months_interest_delta_usd": "323.89", "versus_36months_repayment_delta_usd": "323.89" }, { "scenario_id": "P5000-R6-T72", "principal_usd": "5000", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 72, "monthly_payment_usd": "82.86", "total_interest_usd": "966.24", "total_repayment_usd": "5966.24", "versus_10pct_payment_delta_usd": "-9.76", "versus_10pct_interest_delta_usd": "-703.06", "versus_10pct_repayment_delta_usd": "-703.06", "versus_36months_payment_delta_usd": "-69.25", "versus_36months_interest_delta_usd": "490.29", "versus_36months_repayment_delta_usd": "490.29" }, { "scenario_id": "P5000-R10-T12", "principal_usd": "5000", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 12, "monthly_payment_usd": "439.58", "total_interest_usd": "274.95", "total_repayment_usd": "5274.95", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "278.24", "versus_36months_interest_delta_usd": "-533.14", "versus_36months_repayment_delta_usd": "-533.14" }, { "scenario_id": "P5000-R10-T24", "principal_usd": "5000", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 24, "monthly_payment_usd": "230.72", "total_interest_usd": "537.39", "total_repayment_usd": "5537.39", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "69.39", "versus_36months_interest_delta_usd": "-270.70", "versus_36months_repayment_delta_usd": "-270.70" }, { "scenario_id": "P5000-R10-T36", "principal_usd": "5000", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 36, "monthly_payment_usd": "161.34", "total_interest_usd": "808.09", "total_repayment_usd": "5808.09", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P5000-R10-T48", "principal_usd": "5000", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 48, "monthly_payment_usd": "126.81", "total_interest_usd": "1087.02", "total_repayment_usd": "6087.02", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "-34.52", "versus_36months_interest_delta_usd": "278.93", "versus_36months_repayment_delta_usd": "278.93" }, { "scenario_id": "P5000-R10-T60", "principal_usd": "5000", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 60, "monthly_payment_usd": "106.24", "total_interest_usd": "1374.11", "total_repayment_usd": "6374.11", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "-55.10", "versus_36months_interest_delta_usd": "566.02", "versus_36months_repayment_delta_usd": "566.02" }, { "scenario_id": "P5000-R10-T72", "principal_usd": "5000", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 72, "monthly_payment_usd": "92.63", "total_interest_usd": "1669.30", "total_repayment_usd": "6669.30", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "-68.71", "versus_36months_interest_delta_usd": "861.21", "versus_36months_repayment_delta_usd": "861.21" }, { "scenario_id": "P5000-R15-T12", "principal_usd": "5000", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 12, "monthly_payment_usd": "451.29", "total_interest_usd": "415.50", "total_repayment_usd": "5415.50", "versus_10pct_payment_delta_usd": "11.71", "versus_10pct_interest_delta_usd": "140.55", "versus_10pct_repayment_delta_usd": "140.55", "versus_36months_payment_delta_usd": "277.96", "versus_36months_interest_delta_usd": "-824.26", "versus_36months_repayment_delta_usd": "-824.26" }, { "scenario_id": "P5000-R15-T24", "principal_usd": "5000", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 24, "monthly_payment_usd": "242.43", "total_interest_usd": "818.40", "total_repayment_usd": "5818.40", "versus_10pct_payment_delta_usd": "11.71", "versus_10pct_interest_delta_usd": "281.01", "versus_10pct_repayment_delta_usd": "281.01", "versus_36months_payment_delta_usd": "69.11", "versus_36months_interest_delta_usd": "-421.36", "versus_36months_repayment_delta_usd": "-421.36" }, { "scenario_id": "P5000-R15-T36", "principal_usd": "5000", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 36, "monthly_payment_usd": "173.33", "total_interest_usd": "1239.76", "total_repayment_usd": "6239.76", "versus_10pct_payment_delta_usd": "11.99", "versus_10pct_interest_delta_usd": "431.67", "versus_10pct_repayment_delta_usd": "431.67", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P5000-R15-T48", "principal_usd": "5000", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 48, "monthly_payment_usd": "139.15", "total_interest_usd": "1679.38", "total_repayment_usd": "6679.38", "versus_10pct_payment_delta_usd": "12.34", "versus_10pct_interest_delta_usd": "592.36", "versus_10pct_repayment_delta_usd": "592.36", "versus_36months_payment_delta_usd": "-34.17", "versus_36months_interest_delta_usd": "439.62", "versus_36months_repayment_delta_usd": "439.62" }, { "scenario_id": "P5000-R15-T60", "principal_usd": "5000", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 60, "monthly_payment_usd": "118.95", "total_interest_usd": "2136.98", "total_repayment_usd": "7136.98", 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"total_interest_usd": "558.07", "total_repayment_usd": "5558.07", "versus_10pct_payment_delta_usd": "23.59", "versus_10pct_interest_delta_usd": "283.12", "versus_10pct_repayment_delta_usd": "283.12", "versus_36months_payment_delta_usd": "277.35", "versus_36months_interest_delta_usd": "-1131.37", "versus_36months_repayment_delta_usd": "-1131.37" }, { "scenario_id": "P5000-R20-T24", "principal_usd": "5000", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 24, "monthly_payment_usd": "254.48", "total_interest_usd": "1107.50", "total_repayment_usd": "6107.50", "versus_10pct_payment_delta_usd": "23.75", "versus_10pct_interest_delta_usd": "570.11", "versus_10pct_repayment_delta_usd": "570.11", "versus_36months_payment_delta_usd": "68.66", "versus_36months_interest_delta_usd": "-581.95", "versus_36months_repayment_delta_usd": "-581.95" }, { "scenario_id": "P5000-R20-T36", "principal_usd": "5000", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 36, "monthly_payment_usd": "185.82", "total_interest_usd": "1689.45", "total_repayment_usd": "6689.45", "versus_10pct_payment_delta_usd": "24.48", "versus_10pct_interest_delta_usd": "881.35", "versus_10pct_repayment_delta_usd": "881.35", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P5000-R20-T48", "principal_usd": "5000", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 48, "monthly_payment_usd": "152.15", "total_interest_usd": "2303.29", "total_repayment_usd": "7303.29", "versus_10pct_payment_delta_usd": "25.34", "versus_10pct_interest_delta_usd": "1216.27", "versus_10pct_repayment_delta_usd": "1216.27", "versus_36months_payment_delta_usd": "-33.67", "versus_36months_interest_delta_usd": "613.84", "versus_36months_repayment_delta_usd": "613.84" }, { "scenario_id": "P5000-R20-T60", 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"total_repayment_usd": "9697.38", "versus_10pct_payment_delta_usd": "42.06", "versus_10pct_interest_delta_usd": "3028.08", "versus_10pct_repayment_delta_usd": "3028.08", "versus_36months_payment_delta_usd": "-64.11", "versus_36months_interest_delta_usd": "2540.62", "versus_36months_repayment_delta_usd": "2540.62" }, { "scenario_id": "P5000-R30-T12", "principal_usd": "5000", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 12, "monthly_payment_usd": "487.44", "total_interest_usd": "849.23", "total_repayment_usd": "5849.23", "versus_10pct_payment_delta_usd": "47.86", "versus_10pct_interest_delta_usd": "574.27", "versus_10pct_repayment_delta_usd": "574.27", "versus_36months_payment_delta_usd": "275.18", "versus_36months_interest_delta_usd": "-1792.06", "versus_36months_repayment_delta_usd": "-1792.06" }, { "scenario_id": "P5000-R30-T24", "principal_usd": "5000", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 24, "monthly_payment_usd": "279.56", "total_interest_usd": "1709.54", "total_repayment_usd": "6709.54", "versus_10pct_payment_delta_usd": "48.84", "versus_10pct_interest_delta_usd": "1172.15", "versus_10pct_repayment_delta_usd": "1172.15", "versus_36months_payment_delta_usd": "67.31", "versus_36months_interest_delta_usd": "-931.75", "versus_36months_repayment_delta_usd": "-931.75" }, { "scenario_id": "P5000-R30-T36", "principal_usd": "5000", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 36, "monthly_payment_usd": "212.26", "total_interest_usd": "2641.28", "total_repayment_usd": "7641.28", "versus_10pct_payment_delta_usd": "50.92", "versus_10pct_interest_delta_usd": "1833.19", "versus_10pct_repayment_delta_usd": "1833.19", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P5000-R30-T48", "principal_usd": "5000", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 48, "monthly_payment_usd": "180.03", "total_interest_usd": "3641.44", "total_repayment_usd": "8641.44", "versus_10pct_payment_delta_usd": "53.22", "versus_10pct_interest_delta_usd": "2554.42", "versus_10pct_repayment_delta_usd": "2554.42", "versus_36months_payment_delta_usd": "-32.23", "versus_36months_interest_delta_usd": "1000.15", "versus_36months_repayment_delta_usd": "1000.15" }, { "scenario_id": "P5000-R30-T60", "principal_usd": "5000", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 60, "monthly_payment_usd": "161.77", "total_interest_usd": "4706.02", "total_repayment_usd": "9706.02", "versus_10pct_payment_delta_usd": "55.53", "versus_10pct_interest_delta_usd": "3331.91", "versus_10pct_repayment_delta_usd": "3331.91", "versus_36months_payment_delta_usd": "-50.49", "versus_36months_interest_delta_usd": "2064.73", "versus_36months_repayment_delta_usd": "2064.73" }, { "scenario_id": 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"versus_36months_repayment_delta_usd": "-2216.96" }, { "scenario_id": "P5000-R36-T24", "principal_usd": "5000", "annual_interest_rate_pct": "36", "illustrative_fee_free_apr_pct": "36", "term_months": 24, "monthly_payment_usd": "295.24", "total_interest_usd": "2085.69", "total_repayment_usd": "7085.69", "versus_10pct_payment_delta_usd": "64.51", "versus_10pct_interest_delta_usd": "1548.30", "versus_10pct_repayment_delta_usd": "1548.30", "versus_36months_payment_delta_usd": "66.22", "versus_36months_interest_delta_usd": "-1158.99", "versus_36months_repayment_delta_usd": "-1158.99" }, { "scenario_id": "P5000-R36-T36", "principal_usd": "5000", "annual_interest_rate_pct": "36", "illustrative_fee_free_apr_pct": "36", "term_months": 36, "monthly_payment_usd": "229.02", "total_interest_usd": "3244.68", "total_repayment_usd": "8244.68", "versus_10pct_payment_delta_usd": "67.68", "versus_10pct_interest_delta_usd": "2436.59", "versus_10pct_repayment_delta_usd": "2436.59", 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"versus_10pct_interest_delta_usd": "4465.77", "versus_10pct_repayment_delta_usd": "4465.77", "versus_36months_payment_delta_usd": "-48.35", "versus_36months_interest_delta_usd": "2595.20", "versus_36months_repayment_delta_usd": "2595.20" }, { "scenario_id": "P5000-R36-T72", "principal_usd": "5000", "annual_interest_rate_pct": "36", "illustrative_fee_free_apr_pct": "36", "term_months": 72, "monthly_payment_usd": "170.27", "total_interest_usd": "7259.46", "total_repayment_usd": "12259.46", "versus_10pct_payment_delta_usd": "77.64", "versus_10pct_interest_delta_usd": "5590.15", "versus_10pct_repayment_delta_usd": "5590.15", "versus_36months_payment_delta_usd": "-58.75", "versus_36months_interest_delta_usd": "4014.77", "versus_36months_repayment_delta_usd": "4014.77" }, { "scenario_id": "P7500-R6-T12", "principal_usd": "7500", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 12, "monthly_payment_usd": "645.50", "total_interest_usd": "245.98", "total_repayment_usd": "7745.98", "versus_10pct_payment_delta_usd": "-13.87", "versus_10pct_interest_delta_usd": "-166.45", "versus_10pct_repayment_delta_usd": "-166.45", "versus_36months_payment_delta_usd": "417.33", "versus_36months_interest_delta_usd": "-467.94", "versus_36months_repayment_delta_usd": "-467.94" }, { "scenario_id": "P7500-R6-T24", "principal_usd": "7500", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 24, "monthly_payment_usd": "332.40", "total_interest_usd": "477.71", "total_repayment_usd": "7977.71", "versus_10pct_payment_delta_usd": "-13.68", "versus_10pct_interest_delta_usd": "-328.38", "versus_10pct_repayment_delta_usd": "-328.38", "versus_36months_payment_delta_usd": "104.24", "versus_36months_interest_delta_usd": "-236.21", "versus_36months_repayment_delta_usd": "-236.21" }, { "scenario_id": "P7500-R6-T36", "principal_usd": "7500", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 36, "monthly_payment_usd": "228.16", "total_interest_usd": "713.92", "total_repayment_usd": "8213.92", "versus_10pct_payment_delta_usd": "-13.84", "versus_10pct_interest_delta_usd": "-498.22", "versus_10pct_repayment_delta_usd": "-498.22", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P7500-R6-T48", "principal_usd": "7500", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 48, "monthly_payment_usd": "176.14", "total_interest_usd": "954.61", "total_repayment_usd": "8454.61", "versus_10pct_payment_delta_usd": "-14.08", "versus_10pct_interest_delta_usd": "-675.92", "versus_10pct_repayment_delta_usd": "-675.92", "versus_36months_payment_delta_usd": "-52.03", "versus_36months_interest_delta_usd": "240.69", "versus_36months_repayment_delta_usd": "240.69" }, { "scenario_id": "P7500-R6-T60", "principal_usd": "7500", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 60, "monthly_payment_usd": "145.00", "total_interest_usd": "1199.76", "total_repayment_usd": "8699.76", "versus_10pct_payment_delta_usd": "-14.36", "versus_10pct_interest_delta_usd": "-861.41", "versus_10pct_repayment_delta_usd": "-861.41", "versus_36months_payment_delta_usd": "-83.17", "versus_36months_interest_delta_usd": "485.84", "versus_36months_repayment_delta_usd": "485.84" }, { "scenario_id": "P7500-R6-T72", "principal_usd": "7500", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 72, "monthly_payment_usd": "124.30", "total_interest_usd": "1449.36", "total_repayment_usd": "8949.36", "versus_10pct_payment_delta_usd": "-14.65", "versus_10pct_interest_delta_usd": "-1054.59", "versus_10pct_repayment_delta_usd": "-1054.59", "versus_36months_payment_delta_usd": "-103.87", "versus_36months_interest_delta_usd": "735.44", "versus_36months_repayment_delta_usd": "735.44" }, { "scenario_id": 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"versus_36months_repayment_delta_usd": "-406.05" }, { "scenario_id": "P7500-R10-T36", "principal_usd": "7500", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 36, "monthly_payment_usd": "242.00", "total_interest_usd": "1212.14", "total_repayment_usd": "8712.14", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P7500-R10-T48", "principal_usd": "7500", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 48, "monthly_payment_usd": "190.22", "total_interest_usd": "1630.53", "total_repayment_usd": "9130.53", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "-51.78", "versus_36months_interest_delta_usd": "418.39", "versus_36months_repayment_delta_usd": "418.39" }, { "scenario_id": "P7500-R10-T60", "principal_usd": "7500", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 60, "monthly_payment_usd": "159.35", "total_interest_usd": "2061.17", "total_repayment_usd": "9561.17", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "-82.65", "versus_36months_interest_delta_usd": "849.03", "versus_36months_repayment_delta_usd": "849.03" }, { "scenario_id": "P7500-R10-T72", "principal_usd": "7500", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 72, "monthly_payment_usd": "138.94", "total_interest_usd": "2503.95", "total_repayment_usd": "10003.95", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "-103.06", "versus_36months_interest_delta_usd": "1291.81", "versus_36months_repayment_delta_usd": "1291.81" }, { "scenario_id": "P7500-R15-T12", "principal_usd": "7500", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 12, "monthly_payment_usd": "676.94", "total_interest_usd": "623.25", "total_repayment_usd": "8123.25", "versus_10pct_payment_delta_usd": "17.57", "versus_10pct_interest_delta_usd": "210.82", "versus_10pct_repayment_delta_usd": "210.82", "versus_36months_payment_delta_usd": "416.95", "versus_36months_interest_delta_usd": "-1236.39", "versus_36months_repayment_delta_usd": "-1236.39" }, { "scenario_id": "P7500-R15-T24", "principal_usd": "7500", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 24, "monthly_payment_usd": "363.65", "total_interest_usd": "1227.60", "total_repayment_usd": "8727.60", "versus_10pct_payment_delta_usd": "17.56", "versus_10pct_interest_delta_usd": "421.51", "versus_10pct_repayment_delta_usd": "421.51", "versus_36months_payment_delta_usd": "103.66", "versus_36months_interest_delta_usd": "-632.04", "versus_36months_repayment_delta_usd": "-632.04" }, { "scenario_id": "P7500-R15-T36", "principal_usd": "7500", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 36, "monthly_payment_usd": "259.99", "total_interest_usd": "1859.64", "total_repayment_usd": "9359.64", "versus_10pct_payment_delta_usd": "17.99", "versus_10pct_interest_delta_usd": "647.50", "versus_10pct_repayment_delta_usd": "647.50", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P7500-R15-T48", "principal_usd": "7500", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 48, "monthly_payment_usd": "208.73", "total_interest_usd": "2519.07", "total_repayment_usd": "10019.07", "versus_10pct_payment_delta_usd": "18.51", "versus_10pct_interest_delta_usd": "888.54", "versus_10pct_repayment_delta_usd": "888.54", "versus_36months_payment_delta_usd": "-51.26", "versus_36months_interest_delta_usd": "659.43", "versus_36months_repayment_delta_usd": "659.43" }, { "scenario_id": "P7500-R15-T60", "principal_usd": "7500", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 60, "monthly_payment_usd": "178.42", "total_interest_usd": "3205.47", "total_repayment_usd": "10705.47", "versus_10pct_payment_delta_usd": "19.07", "versus_10pct_interest_delta_usd": "1144.30", "versus_10pct_repayment_delta_usd": "1144.30", "versus_36months_payment_delta_usd": "-81.57", "versus_36months_interest_delta_usd": "1345.83", "versus_36months_repayment_delta_usd": "1345.83" }, { "scenario_id": "P7500-R15-T72", "principal_usd": "7500", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 72, "monthly_payment_usd": "158.59", "total_interest_usd": "3918.31", "total_repayment_usd": "11418.31", "versus_10pct_payment_delta_usd": "19.64", "versus_10pct_interest_delta_usd": "1414.35", "versus_10pct_repayment_delta_usd": "1414.35", "versus_36months_payment_delta_usd": "-101.40", "versus_36months_interest_delta_usd": "2058.67", "versus_36months_repayment_delta_usd": "2058.67" }, { "scenario_id": "P7500-R20-T12", "principal_usd": "7500", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 12, "monthly_payment_usd": "694.76", "total_interest_usd": "837.11", "total_repayment_usd": "8337.11", "versus_10pct_payment_delta_usd": "35.39", "versus_10pct_interest_delta_usd": "424.68", "versus_10pct_repayment_delta_usd": "424.68", "versus_36months_payment_delta_usd": "416.03", "versus_36months_interest_delta_usd": "-1697.06", "versus_36months_repayment_delta_usd": "-1697.06" }, { "scenario_id": "P7500-R20-T24", "principal_usd": "7500", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 24, "monthly_payment_usd": "381.72", "total_interest_usd": "1661.24", "total_repayment_usd": "9161.24", "versus_10pct_payment_delta_usd": "35.63", "versus_10pct_interest_delta_usd": "855.16", "versus_10pct_repayment_delta_usd": "855.16", "versus_36months_payment_delta_usd": "102.99", "versus_36months_interest_delta_usd": "-872.92", "versus_36months_repayment_delta_usd": "-872.92" }, { "scenario_id": "P7500-R20-T36", "principal_usd": "7500", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 36, "monthly_payment_usd": "278.73", "total_interest_usd": "2534.17", "total_repayment_usd": "10034.17", "versus_10pct_payment_delta_usd": "36.72", "versus_10pct_interest_delta_usd": "1322.03", "versus_10pct_repayment_delta_usd": "1322.03", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P7500-R20-T48", "principal_usd": "7500", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 48, "monthly_payment_usd": "228.23", "total_interest_usd": "3454.93", "total_repayment_usd": "10954.93", "versus_10pct_payment_delta_usd": "38.01", "versus_10pct_interest_delta_usd": "1824.40", "versus_10pct_repayment_delta_usd": "1824.40", "versus_36months_payment_delta_usd": "-50.50", "versus_36months_interest_delta_usd": "920.76", "versus_36months_repayment_delta_usd": "920.76" }, { "scenario_id": "P7500-R20-T60", "principal_usd": "7500", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 60, "monthly_payment_usd": "198.70", "total_interest_usd": "4422.25", "total_repayment_usd": "11922.25", "versus_10pct_payment_delta_usd": "39.35", "versus_10pct_interest_delta_usd": "2361.08", "versus_10pct_repayment_delta_usd": "2361.08", "versus_36months_payment_delta_usd": "-80.02", "versus_36months_interest_delta_usd": "1888.08", "versus_36months_repayment_delta_usd": "1888.08" }, { "scenario_id": "P7500-R20-T72", "principal_usd": "7500", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 72, "monthly_payment_usd": "179.65", "total_interest_usd": "5434.53", "total_repayment_usd": "12934.53", "versus_10pct_payment_delta_usd": "40.70", "versus_10pct_interest_delta_usd": "2930.57", "versus_10pct_repayment_delta_usd": "2930.57", "versus_36months_payment_delta_usd": "-99.08", "versus_36months_interest_delta_usd": "2900.36", "versus_36months_repayment_delta_usd": "2900.36" }, { "scenario_id": "P7500-R25-T12", "principal_usd": "7500", "annual_interest_rate_pct": "25", "illustrative_fee_free_apr_pct": "25", "term_months": 12, "monthly_payment_usd": "712.83", "total_interest_usd": "1053.98", "total_repayment_usd": "8553.98", "versus_10pct_payment_delta_usd": "53.46", "versus_10pct_interest_delta_usd": "641.55", "versus_10pct_repayment_delta_usd": "641.55", "versus_36months_payment_delta_usd": "414.63", "versus_36months_interest_delta_usd": "-2181.17", "versus_36months_repayment_delta_usd": "-2181.17" }, { "scenario_id": "P7500-R25-T24", "principal_usd": "7500", "annual_interest_rate_pct": "25", "illustrative_fee_free_apr_pct": "25", "term_months": 24, "monthly_payment_usd": "400.29", "total_interest_usd": "2106.87", "total_repayment_usd": "9606.87", "versus_10pct_payment_delta_usd": "54.20", "versus_10pct_interest_delta_usd": "1300.79", "versus_10pct_repayment_delta_usd": "1300.79", "versus_36months_payment_delta_usd": "102.09", "versus_36months_interest_delta_usd": "-1128.28", "versus_36months_repayment_delta_usd": "-1128.28" }, { "scenario_id": "P7500-R25-T36", "principal_usd": "7500", "annual_interest_rate_pct": "25", "illustrative_fee_free_apr_pct": "25", "term_months": 36, "monthly_payment_usd": "298.20", "total_interest_usd": "3235.15", "total_repayment_usd": "10735.15", "versus_10pct_payment_delta_usd": "56.19", "versus_10pct_interest_delta_usd": "2023.01", "versus_10pct_repayment_delta_usd": "2023.01", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P7500-R25-T48", "principal_usd": "7500", "annual_interest_rate_pct": "25", "illustrative_fee_free_apr_pct": "25", "term_months": 48, "monthly_payment_usd": "248.68", "total_interest_usd": "4436.57", "total_repayment_usd": "11936.57", "versus_10pct_payment_delta_usd": "58.46", "versus_10pct_interest_delta_usd": "2806.04", "versus_10pct_repayment_delta_usd": "2806.04", "versus_36months_payment_delta_usd": "-49.52", "versus_36months_interest_delta_usd": "1201.41", "versus_36months_repayment_delta_usd": "1201.41" }, { "scenario_id": "P7500-R25-T60", "principal_usd": "7500", "annual_interest_rate_pct": "25", "illustrative_fee_free_apr_pct": "25", "term_months": 60, "monthly_payment_usd": "220.13", "total_interest_usd": "5708.10", "total_repayment_usd": "13208.10", "versus_10pct_payment_delta_usd": "60.78", "versus_10pct_interest_delta_usd": "3646.93", "versus_10pct_repayment_delta_usd": "3646.93", "versus_36months_payment_delta_usd": "-78.06", "versus_36months_interest_delta_usd": "2472.94", "versus_36months_repayment_delta_usd": "2472.94" }, { "scenario_id": "P7500-R25-T72", "principal_usd": "7500", "annual_interest_rate_pct": "25", "illustrative_fee_free_apr_pct": "25", "term_months": 72, "monthly_payment_usd": "202.03", "total_interest_usd": "7046.08", "total_repayment_usd": "14546.08", "versus_10pct_payment_delta_usd": "63.09", "versus_10pct_interest_delta_usd": "4542.12", "versus_10pct_repayment_delta_usd": "4542.12", "versus_36months_payment_delta_usd": "-96.17", "versus_36months_interest_delta_usd": "3810.92", "versus_36months_repayment_delta_usd": "3810.92" }, { "scenario_id": "P7500-R30-T12", "principal_usd": "7500", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 12, "monthly_payment_usd": "731.15", "total_interest_usd": "1273.84", "total_repayment_usd": "8773.84", "versus_10pct_payment_delta_usd": "71.78", "versus_10pct_interest_delta_usd": "861.41", "versus_10pct_repayment_delta_usd": "861.41", "versus_36months_payment_delta_usd": "412.77", "versus_36months_interest_delta_usd": "-2688.08", "versus_36months_repayment_delta_usd": "-2688.08" }, { "scenario_id": "P7500-R30-T24", "principal_usd": "7500", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 24, "monthly_payment_usd": "419.35", "total_interest_usd": "2564.31", "total_repayment_usd": "10064.31", "versus_10pct_payment_delta_usd": "73.26", "versus_10pct_interest_delta_usd": "1758.22", "versus_10pct_repayment_delta_usd": "1758.22", "versus_36months_payment_delta_usd": "100.96", "versus_36months_interest_delta_usd": "-1397.62", "versus_36months_repayment_delta_usd": "-1397.62" }, { "scenario_id": "P7500-R30-T36", "principal_usd": "7500", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 36, "monthly_payment_usd": "318.39", "total_interest_usd": "3961.93", "total_repayment_usd": "11461.93", "versus_10pct_payment_delta_usd": "76.38", "versus_10pct_interest_delta_usd": "2749.79", "versus_10pct_repayment_delta_usd": "2749.79", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P7500-R30-T48", "principal_usd": "7500", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 48, "monthly_payment_usd": "270.04", "total_interest_usd": "5462.16", "total_repayment_usd": "12962.16", "versus_10pct_payment_delta_usd": "79.83", "versus_10pct_interest_delta_usd": "3831.63", "versus_10pct_repayment_delta_usd": "3831.63", "versus_36months_payment_delta_usd": "-48.34", "versus_36months_interest_delta_usd": "1500.23", "versus_36months_repayment_delta_usd": "1500.23" }, { "scenario_id": "P7500-R30-T60", "principal_usd": "7500", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 60, "monthly_payment_usd": "242.65", "total_interest_usd": "7059.03", "total_repayment_usd": "14559.03", "versus_10pct_payment_delta_usd": "83.30", "versus_10pct_interest_delta_usd": "4997.86", "versus_10pct_repayment_delta_usd": "4997.86", "versus_36months_payment_delta_usd": "-75.74", "versus_36months_interest_delta_usd": "3097.10", "versus_36months_repayment_delta_usd": "3097.10" }, { "scenario_id": "P7500-R30-T72", "principal_usd": "7500", "annual_interest_rate_pct": "30", "illustrative_fee_free_apr_pct": "30", "term_months": 72, "monthly_payment_usd": "225.63", "total_interest_usd": "8745.45", "total_repayment_usd": "16245.45", "versus_10pct_payment_delta_usd": "86.69", "versus_10pct_interest_delta_usd": "6241.50", "versus_10pct_repayment_delta_usd": "6241.50", "versus_36months_payment_delta_usd": "-92.76", "versus_36months_interest_delta_usd": "4783.52", "versus_36months_repayment_delta_usd": "4783.52" }, { "scenario_id": "P7500-R36-T12", "principal_usd": "7500", "annual_interest_rate_pct": "36", "illustrative_fee_free_apr_pct": "36", "term_months": 12, "monthly_payment_usd": "753.47", "total_interest_usd": "1541.59", "total_repayment_usd": "9041.59", "versus_10pct_payment_delta_usd": "94.10", "versus_10pct_interest_delta_usd": "1129.16", "versus_10pct_repayment_delta_usd": "1129.16", "versus_36months_payment_delta_usd": "409.94", "versus_36months_interest_delta_usd": "-3325.44", "versus_36months_repayment_delta_usd": "-3325.44" }, { "scenario_id": "P7500-R36-T24", "principal_usd": "7500", "annual_interest_rate_pct": "36", "illustrative_fee_free_apr_pct": "36", "term_months": 24, "monthly_payment_usd": "442.86", "total_interest_usd": "3128.53", "total_repayment_usd": "10628.53", "versus_10pct_payment_delta_usd": "96.77", 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"total_repayment_usd": "14248.00", "versus_10pct_payment_delta_usd": "106.61", "versus_10pct_interest_delta_usd": "5117.47", "versus_10pct_repayment_delta_usd": "5117.47", "versus_36months_payment_delta_usd": "-46.70", "versus_36months_interest_delta_usd": "1880.97", "versus_36months_repayment_delta_usd": "1880.97" }, { "scenario_id": "P7500-R36-T60", "principal_usd": "7500", "annual_interest_rate_pct": "36", "illustrative_fee_free_apr_pct": "36", "term_months": 60, "monthly_payment_usd": "271.00", "total_interest_usd": "8759.83", "total_repayment_usd": "16259.83", "versus_10pct_payment_delta_usd": "111.64", "versus_10pct_interest_delta_usd": "6698.66", "versus_10pct_repayment_delta_usd": "6698.66", "versus_36months_payment_delta_usd": "-72.53", "versus_36months_interest_delta_usd": "3892.81", "versus_36months_repayment_delta_usd": "3892.81" }, { "scenario_id": "P7500-R36-T72", "principal_usd": "7500", "annual_interest_rate_pct": "36", "illustrative_fee_free_apr_pct": "36", "term_months": 72, "monthly_payment_usd": "255.41", "total_interest_usd": "10889.18", "total_repayment_usd": "18389.18", "versus_10pct_payment_delta_usd": "116.46", "versus_10pct_interest_delta_usd": "8385.23", "versus_10pct_repayment_delta_usd": "8385.23", "versus_36months_payment_delta_usd": "-88.12", "versus_36months_interest_delta_usd": "6022.16", "versus_36months_repayment_delta_usd": "6022.16" }, { "scenario_id": "P10000-R6-T12", "principal_usd": "10000", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 12, "monthly_payment_usd": "860.66", "total_interest_usd": "327.97", "total_repayment_usd": "10327.97", "versus_10pct_payment_delta_usd": "-18.49", "versus_10pct_interest_delta_usd": "-221.93", "versus_10pct_repayment_delta_usd": "-221.93", "versus_36months_payment_delta_usd": "556.44", "versus_36months_interest_delta_usd": "-623.93", "versus_36months_repayment_delta_usd": "-623.93" }, { "scenario_id": "P10000-R6-T24", "principal_usd": "10000", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 24, "monthly_payment_usd": "443.21", "total_interest_usd": "636.95", "total_repayment_usd": "10636.95", "versus_10pct_payment_delta_usd": "-18.24", "versus_10pct_interest_delta_usd": "-437.84", "versus_10pct_repayment_delta_usd": "-437.84", "versus_36months_payment_delta_usd": "138.99", "versus_36months_interest_delta_usd": "-314.95", "versus_36months_repayment_delta_usd": "-314.95" }, { "scenario_id": "P10000-R6-T36", "principal_usd": "10000", "annual_interest_rate_pct": "6", "illustrative_fee_free_apr_pct": "6", "term_months": 36, "monthly_payment_usd": "304.22", "total_interest_usd": "951.90", "total_repayment_usd": "10951.90", "versus_10pct_payment_delta_usd": "-18.45", "versus_10pct_interest_delta_usd": "-664.29", "versus_10pct_repayment_delta_usd": "-664.29", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" 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"versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "556.49", "versus_36months_interest_delta_usd": "-1066.28", "versus_36months_repayment_delta_usd": "-1066.28" }, { "scenario_id": "P10000-R10-T24", "principal_usd": "10000", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 24, "monthly_payment_usd": "461.45", "total_interest_usd": "1074.78", "total_repayment_usd": "11074.78", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "138.78", "versus_36months_interest_delta_usd": "-541.41", "versus_36months_repayment_delta_usd": "-541.41" }, { "scenario_id": "P10000-R10-T36", "principal_usd": "10000", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 36, "monthly_payment_usd": "322.67", "total_interest_usd": "1616.19", "total_repayment_usd": "11616.19", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P10000-R10-T48", "principal_usd": "10000", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 48, "monthly_payment_usd": "253.63", "total_interest_usd": "2174.04", "total_repayment_usd": "12174.04", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "-69.05", "versus_36months_interest_delta_usd": "557.85", "versus_36months_repayment_delta_usd": "557.85" }, { "scenario_id": "P10000-R10-T60", "principal_usd": "10000", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 60, "monthly_payment_usd": "212.47", "total_interest_usd": "2748.23", "total_repayment_usd": "12748.23", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "-110.20", "versus_36months_interest_delta_usd": "1132.04", "versus_36months_repayment_delta_usd": "1132.04" }, { "scenario_id": "P10000-R10-T72", "principal_usd": "10000", "annual_interest_rate_pct": "10", "illustrative_fee_free_apr_pct": "10", "term_months": 72, "monthly_payment_usd": "185.26", "total_interest_usd": "3338.60", "total_repayment_usd": "13338.60", "versus_10pct_payment_delta_usd": "0.00", "versus_10pct_interest_delta_usd": "0.00", "versus_10pct_repayment_delta_usd": "0.00", "versus_36months_payment_delta_usd": "-137.41", "versus_36months_interest_delta_usd": "1722.42", "versus_36months_repayment_delta_usd": "1722.42" }, { "scenario_id": "P10000-R15-T12", "principal_usd": "10000", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 12, "monthly_payment_usd": "902.58", "total_interest_usd": "831.00", "total_repayment_usd": "10831.00", "versus_10pct_payment_delta_usd": "23.42", "versus_10pct_interest_delta_usd": "281.09", "versus_10pct_repayment_delta_usd": "281.09", "versus_36months_payment_delta_usd": "555.93", "versus_36months_interest_delta_usd": "-1648.52", "versus_36months_repayment_delta_usd": "-1648.52" }, { "scenario_id": "P10000-R15-T24", "principal_usd": "10000", "annual_interest_rate_pct": "15", "illustrative_fee_free_apr_pct": "15", "term_months": 24, "monthly_payment_usd": "484.87", "total_interest_usd": "1636.80", "total_repayment_usd": "11636.80", "versus_10pct_payment_delta_usd": "23.42", "versus_10pct_interest_delta_usd": "562.01", "versus_10pct_repayment_delta_usd": "562.01", "versus_36months_payment_delta_usd": "138.21", "versus_36months_interest_delta_usd": "-842.72", "versus_36months_repayment_delta_usd": "-842.72" }, { "scenario_id": 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"versus_36months_payment_delta_usd": "-135.20", "versus_36months_interest_delta_usd": "2744.89", "versus_36months_repayment_delta_usd": "2744.89" }, { "scenario_id": "P10000-R20-T12", "principal_usd": "10000", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 12, "monthly_payment_usd": "926.35", "total_interest_usd": "1116.14", "total_repayment_usd": "11116.14", "versus_10pct_payment_delta_usd": "47.19", "versus_10pct_interest_delta_usd": "566.23", "versus_10pct_repayment_delta_usd": "566.23", "versus_36months_payment_delta_usd": "554.71", "versus_36months_interest_delta_usd": "-2262.75", "versus_36months_repayment_delta_usd": "-2262.75" }, { "scenario_id": "P10000-R20-T24", "principal_usd": "10000", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 24, "monthly_payment_usd": "508.96", "total_interest_usd": "2214.99", "total_repayment_usd": "12214.99", "versus_10pct_payment_delta_usd": "47.51", "versus_10pct_interest_delta_usd": "1140.21", "versus_10pct_repayment_delta_usd": "1140.21", "versus_36months_payment_delta_usd": "137.32", "versus_36months_interest_delta_usd": "-1163.90", "versus_36months_repayment_delta_usd": "-1163.90" }, { "scenario_id": "P10000-R20-T36", "principal_usd": "10000", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 36, "monthly_payment_usd": "371.64", "total_interest_usd": "3378.89", "total_repayment_usd": "13378.89", "versus_10pct_payment_delta_usd": "48.96", "versus_10pct_interest_delta_usd": "1762.70", "versus_10pct_repayment_delta_usd": "1762.70", "versus_36months_payment_delta_usd": "0.00", "versus_36months_interest_delta_usd": "0.00", "versus_36months_repayment_delta_usd": "0.00" }, { "scenario_id": "P10000-R20-T48", "principal_usd": "10000", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 48, "monthly_payment_usd": "304.30", "total_interest_usd": "4606.57", "total_repayment_usd": "14606.57", "versus_10pct_payment_delta_usd": "50.68", "versus_10pct_interest_delta_usd": "2432.53", "versus_10pct_repayment_delta_usd": "2432.53", "versus_36months_payment_delta_usd": "-67.33", "versus_36months_interest_delta_usd": "1227.68", "versus_36months_repayment_delta_usd": "1227.68" }, { "scenario_id": "P10000-R20-T60", "principal_usd": "10000", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 60, "monthly_payment_usd": "264.94", "total_interest_usd": "5896.33", "total_repayment_usd": "15896.33", "versus_10pct_payment_delta_usd": "52.47", "versus_10pct_interest_delta_usd": "3148.10", "versus_10pct_repayment_delta_usd": "3148.10", "versus_36months_payment_delta_usd": "-106.70", "versus_36months_interest_delta_usd": "2517.44", "versus_36months_repayment_delta_usd": "2517.44" }, { "scenario_id": "P10000-R20-T72", "principal_usd": "10000", "annual_interest_rate_pct": "20", "illustrative_fee_free_apr_pct": "20", "term_months": 72, "monthly_payment_usd": "239.53", "total_interest_usd": "7246.03", "total_repayment_usd": "17246.03", "versus_10pct_payment_delta_usd": "54.27", "versus_10pct_interest_delta_usd": "3907.43", "versus_10pct_repayment_delta_usd": "3907.43", "versus_36months_payment_delta_usd": "-132.11", "versus_36months_interest_delta_usd": "3867.14", "versus_36months_repayment_delta_usd": "3867.14" }, { "scenario_id": "P10000-R25-T12", "principal_usd": "10000", "annual_interest_rate_pct": "25", "illustrative_fee_free_apr_pct": "25", "term_months": 12, "monthly_payment_usd": "950.44", "total_interest_usd": "1405.30", "total_repayment_usd": "11405.30", "versus_10pct_payment_delta_usd": "71.28", "versus_10pct_interest_delta_usd": "855.40", "versus_10pct_repayment_delta_usd": "855.40", "versus_36months_payment_delta_usd": "552.84", "versus_36months_interest_delta_usd": "-2908.23", "versus_36months_repayment_delta_usd": "-2908.23" }, { "scenario_id": "P10000-R25-T24", "principal_usd": 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