Interest and Total Payments on $10,000 Loan over Five Years A 3-column table has 4 rows. The first column is labeled Interest rate with entries 5, 10, 15, and 20 percent. The second column is labeled Monthly payment with entries 188.70, 212.50, 237.90, 253.90. The third column is labeled total paid with entries 11,322.00, 12,750.00, 14,274.00, and 15,234.00. The bank would earn a profit of over years if a customer was charged 15% interest. A consumer would save over the life of the loan with a 5% interest rate rather than a 10% interest rate.