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| Term | Monthly payment | Total interest |
|---|---|---|
| 2 years | $521 | $2,509 |
| 3 years | $384 | $3,840 |
| 5 years | $279 | $6,739 |
Any loan repaid within roughly a year, spanning payday loans due on your next cheque, three to six month instalment loans, and revolving credit you intend to clear quickly. The shorter the term, the more the fee structure matters relative to the interest rate.
An instalment loan under the 35% cap, in nearly every case. Payday products cost $14 per $100 for a two-week term, which is far more per dollar than any interest-bearing product over the same period. If you can qualify for an instalment loan, take it.
On an interest-bearing loan, yes, and it reduces what you pay. On a payday loan the fee is fixed, so early repayment saves nothing but does close the pre-authorized debits sooner.
