Disclaimer: This is an example only. The payment amount displayed is based on an interest rate of 19.99%, but your actual loan terms will be determined by ConsumerCapital Canada. For example, if you borrow $3,500 over 48 months at an interest rate and APR of 21.99%, your estimated monthly payment will be $110.25, and the total cost of borrowing (COB) will be $1,681.75.