[alexfromapex]

You can multiply APR x years of loan term. You’d pay 5.1% APR x 10 or 51%. With the shorter term the payments would be very high each month.

[bdcravens]

True, though that only applies to the balance. The best example I found had an APR just under 4% (most are a bit more than that), and with 20% down, that ends up being about 32% over (higher than my estimate, but I was napkin-mathing)