{
  "title": "$10,000 net-cash personal-loan cost sensitivity",
  "version": "1.0",
  "date": "2026-10-29",
  "publisher": "BorrowYourLoan, operated by Infusion Tech",
  "landing_page": "https://www.borrowyourloan.com/loan-amounts/10000-dollar-loan",
  "type": "24 synthetic sensitivity calculations; not observed market rates or offers",
  "assumptions": [
    "Exactly10000 net cash at funding",
    "Fixed annual note rate; monthly rate=annual percent/1200",
    "Fee withheld as percentage of gross principal; no separate upfront fee",
    "36 or60 equal monthly periods; no extra fees, late payments or early payoff",
    "Full-precision calculations; rounded display; contractual final payment can differ"
  ],
  "formula": "P=10000/(1-f); r=annual_note_rate_percent/1200; M=P*r/(1-(1+r)^(-n)); repayment=M*n; interest=repayment-P; financing_cost=repayment-10000",
  "apr_note": "Input is the note interest rate, not fee-inclusive APR. The dataset does not calculate regulatory APR. Compare actual APR from written disclosures.",
  "rows": [
    {
      "scenario_id": "net10k-r10-n36-f0",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 10,
      "months": 36,
      "withheld_fee_percent_of_gross": 0,
      "gross_principal": 10000.0,
      "fee_amount": 0.0,
      "monthly_payment": 322.6718719383749,
      "total_interest": 1616.1873897814967,
      "total_repayment": 11616.187389781497,
      "repayment_minus_net_proceeds": 1616.1873897814967
    },
    {
      "scenario_id": "net10k-r10-n36-f3",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 10,
      "months": 36,
      "withheld_fee_percent_of_gross": 3,
      "gross_principal": 10309.278350515464,
      "fee_amount": 309.2783505154639,
      "monthly_payment": 332.6514143694587,
      "total_interest": 1666.1725667850478,
      "total_repayment": 11975.450917300512,
      "repayment_minus_net_proceeds": 1975.4509173005117
    },
    {
      "scenario_id": "net10k-r10-n36-f5",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 10,
      "months": 36,
      "withheld_fee_percent_of_gross": 5,
      "gross_principal": 10526.315789473685,
      "fee_amount": 526.3157894736851,
      "monthly_payment": 339.65460204039465,
      "total_interest": 1701.249883980523,
      "total_repayment": 12227.565673454208,
      "repayment_minus_net_proceeds": 2227.565673454208
    },
    {
      "scenario_id": "net10k-r10-n36-f8",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 10,
      "months": 36,
      "withheld_fee_percent_of_gross": 8,
      "gross_principal": 10869.565217391304,
      "fee_amount": 869.565217391304,
      "monthly_payment": 350.7302955851901,
      "total_interest": 1756.7254236755398,
      "total_repayment": 12626.290641066844,
      "repayment_minus_net_proceeds": 2626.290641066844
    },
    {
      "scenario_id": "net10k-r10-n60-f0",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 10,
      "months": 60,
      "withheld_fee_percent_of_gross": 0,
      "gross_principal": 10000.0,
      "fee_amount": 0.0,
      "monthly_payment": 212.4704471126828,
      "total_interest": 2748.226826760967,
      "total_repayment": 12748.226826760967,
      "repayment_minus_net_proceeds": 2748.226826760967
    },
    {
      "scenario_id": "net10k-r10-n60-f3",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 10,
      "months": 60,
      "withheld_fee_percent_of_gross": 3,
      "gross_principal": 10309.278350515464,
      "fee_amount": 309.2783505154639,
      "monthly_payment": 219.04169805431215,
      "total_interest": 2833.2235327432645,
      "total_repayment": 13142.501883258728,
      "repayment_minus_net_proceeds": 3142.5018832587284
    },
    {
      "scenario_id": "net10k-r10-n60-f5",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 10,
      "months": 60,
      "withheld_fee_percent_of_gross": 5,
      "gross_principal": 10526.315789473685,
      "fee_amount": 526.3157894736851,
      "monthly_payment": 223.65310222387663,
      "total_interest": 2892.8703439589135,
      "total_repayment": 13419.186133432599,
      "repayment_minus_net_proceeds": 3419.1861334325986
    },
    {
      "scenario_id": "net10k-r10-n60-f8",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 10,
      "months": 60,
      "withheld_fee_percent_of_gross": 8,
      "gross_principal": 10869.565217391304,
      "fee_amount": 869.565217391304,
      "monthly_payment": 230.94613816595955,
      "total_interest": 2987.20307256627,
      "total_repayment": 13856.768289957574,
      "repayment_minus_net_proceeds": 3856.768289957574
    },
    {
      "scenario_id": "net10k-r15-n36-f0",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 15,
      "months": 36,
      "withheld_fee_percent_of_gross": 0,
      "gross_principal": 10000.0,
      "fee_amount": 0.0,
      "monthly_payment": 346.65328504194116,
      "total_interest": 2479.518261509882,
      "total_repayment": 12479.518261509882,
      "repayment_minus_net_proceeds": 2479.518261509882
    },
    {
      "scenario_id": "net10k-r15-n36-f3",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 15,
      "months": 36,
      "withheld_fee_percent_of_gross": 3,
      "gross_principal": 10309.278350515464,
      "fee_amount": 309.2783505154639,
      "monthly_payment": 357.3745206617951,
      "total_interest": 2556.204393309159,
      "total_repayment": 12865.482743824623,
      "repayment_minus_net_proceeds": 2865.482743824623
    },
    {
      "scenario_id": "net10k-r15-n36-f5",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 15,
      "months": 36,
      "withheld_fee_percent_of_gross": 5,
      "gross_principal": 10526.315789473685,
      "fee_amount": 526.3157894736851,
      "monthly_payment": 364.89819478099076,
      "total_interest": 2610.019222641982,
      "total_repayment": 13136.335012115667,
      "repayment_minus_net_proceeds": 3136.3350121156673
    },
    {
      "scenario_id": "net10k-r15-n36-f8",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 15,
      "months": 36,
      "withheld_fee_percent_of_gross": 8,
      "gross_principal": 10869.565217391304,
      "fee_amount": 869.565217391304,
      "monthly_payment": 376.79704895863176,
      "total_interest": 2695.12854511944,
      "total_repayment": 13564.693762510744,
      "repayment_minus_net_proceeds": 3564.693762510744
    },
    {
      "scenario_id": "net10k-r15-n60-f0",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 15,
      "months": 60,
      "withheld_fee_percent_of_gross": 0,
      "gross_principal": 10000.0,
      "fee_amount": 0.0,
      "monthly_payment": 237.8993008635873,
      "total_interest": 4273.95805181524,
      "total_repayment": 14273.95805181524,
      "repayment_minus_net_proceeds": 4273.95805181524
    },
    {
      "scenario_id": "net10k-r15-n60-f3",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 15,
      "months": 60,
      "withheld_fee_percent_of_gross": 3,
      "gross_principal": 10309.278350515464,
      "fee_amount": 309.2783505154639,
      "monthly_payment": 245.25701119957455,
      "total_interest": 4406.142321459009,
      "total_repayment": 14715.420671974472,
      "repayment_minus_net_proceeds": 4715.4206719744725
    },
    {
      "scenario_id": "net10k-r15-n60-f5",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 15,
      "months": 60,
      "withheld_fee_percent_of_gross": 5,
      "gross_principal": 10526.315789473685,
      "fee_amount": 526.3157894736851,
      "monthly_payment": 250.42031669851298,
      "total_interest": 4498.903212437093,
      "total_repayment": 15025.219001910778,
      "repayment_minus_net_proceeds": 5025.219001910778
    },
    {
      "scenario_id": "net10k-r15-n60-f8",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 15,
      "months": 60,
      "withheld_fee_percent_of_gross": 8,
      "gross_principal": 10869.565217391304,
      "fee_amount": 869.565217391304,
      "monthly_payment": 258.58619659085576,
      "total_interest": 4645.606578060042,
      "total_repayment": 15515.171795451346,
      "repayment_minus_net_proceeds": 5515.171795451346
    },
    {
      "scenario_id": "net10k-r20-n36-f0",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 20,
      "months": 36,
      "withheld_fee_percent_of_gross": 0,
      "gross_principal": 10000.0,
      "fee_amount": 0.0,
      "monthly_payment": 371.63583359740454,
      "total_interest": 3378.8900095065637,
      "total_repayment": 13378.890009506564,
      "repayment_minus_net_proceeds": 3378.8900095065637
    },
    {
      "scenario_id": "net10k-r20-n36-f3",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 20,
      "months": 36,
      "withheld_fee_percent_of_gross": 3,
      "gross_principal": 10309.278350515464,
      "fee_amount": 309.2783505154639,
      "monthly_payment": 383.129725358149,
      "total_interest": 3483.3917623779,
      "total_repayment": 13792.670112893364,
      "repayment_minus_net_proceeds": 3792.6701128933637
    },
    {
      "scenario_id": "net10k-r20-n36-f5",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 20,
      "months": 36,
      "withheld_fee_percent_of_gross": 5,
      "gross_principal": 10526.315789473685,
      "fee_amount": 526.3157894736851,
      "monthly_payment": 391.1956143130575,
      "total_interest": 3556.726325796384,
      "total_repayment": 14083.04211527007,
      "repayment_minus_net_proceeds": 4083.042115270069
    },
    {
      "scenario_id": "net10k-r20-n36-f8",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 20,
      "months": 36,
      "withheld_fee_percent_of_gross": 8,
      "gross_principal": 10869.565217391304,
      "fee_amount": 869.565217391304,
      "monthly_payment": 403.95199304065716,
      "total_interest": 3672.706532072354,
      "total_repayment": 14542.271749463658,
      "repayment_minus_net_proceeds": 4542.271749463658
    },
    {
      "scenario_id": "net10k-r20-n60-f0",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 20,
      "months": 60,
      "withheld_fee_percent_of_gross": 0,
      "gross_principal": 10000.0,
      "fee_amount": 0.0,
      "monthly_payment": 264.9388371498609,
      "total_interest": 5896.330228991654,
      "total_repayment": 15896.330228991654,
      "repayment_minus_net_proceeds": 5896.330228991654
    },
    {
      "scenario_id": "net10k-r20-n60-f3",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 20,
      "months": 60,
      "withheld_fee_percent_of_gross": 3,
      "gross_principal": 10309.278350515464,
      "fee_amount": 309.2783505154639,
      "monthly_payment": 273.13282180398033,
      "total_interest": 6078.690957723355,
      "total_repayment": 16387.96930823882,
      "repayment_minus_net_proceeds": 6387.9693082388185
    },
    {
      "scenario_id": "net10k-r20-n60-f5",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 20,
      "months": 60,
      "withheld_fee_percent_of_gross": 5,
      "gross_principal": 10526.315789473685,
      "fee_amount": 526.3157894736851,
      "monthly_payment": 278.8829864735378,
      "total_interest": 6206.663398938583,
      "total_repayment": 16732.979188412268,
      "repayment_minus_net_proceeds": 6732.979188412268
    },
    {
      "scenario_id": "net10k-r20-n60-f8",
      "net_proceeds": 10000,
      "annual_note_rate_percent": 20,
      "months": 60,
      "withheld_fee_percent_of_gross": 8,
      "gross_principal": 10869.565217391304,
      "fee_amount": 869.565217391304,
      "monthly_payment": 287.97699690202273,
      "total_interest": 6409.05459673006,
      "total_repayment": 17278.619814121364,
      "repayment_minus_net_proceeds": 7278.6198141213645
    }
  ]
}