APR=Annual Percentage Rate. *$20,000 loan: A 180 month loan at 4.99% APR would have monthly payments of approximately $158.11. Cap of $199,000. **20,000 loan: An 84-month loan at 4.99% APR would have monthly payments of approximately $282.63. ***$20,000 loan: A 180 month loan at 4.99% APR would have monthly payments of approximately $158.11. Cap of $199,000.