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Paid on top of the regular payment every month; shortens the loan instead of lowering the 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bank interest rates, May 2026: 24-month personal loans 11.86%; 60-month new car loans 7.14%; credit card accounts assessed interest 22.15%."}],"warnings":[],"disclaimer":"This models a fixed-rate, fully amortizing loan with a published default for the rate. It is not a loan offer, a rate quote, or financial advice. The lender's disclosure, with its APR and finance charge, is the figure that counts."}