Free payoff calculator
Making only minimum payments on $10,000 at 12.99%? That's about 6 years and ~$108/mo in interest. See how extra payments slash your timeline — free calculator, no signup.
At 12.99% APR, a $10,000 balance accrues approximately $108 in interest per month. At minimum payments of $200/mo, it takes about 6 years and 1 month to pay off. Doubling your payment cuts that to roughly 2 years and 6 months.