I'm just guessing at these numbers, I'm not sure what yours are, but here's an example.
$5000 loan at 7% interest over 120 months gives you a payment of $58.05 per month. The total paid over the life of the loan would be $6966
That might be a little high, but it's not unreasonable for only paying $58.05 per month. Like I said, make those double payments and you'll be money ahead in the end.
