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If you borrowed 2,000 over a 12 month period and the loan had a 3 arrangement fee (60), your monthly repayments would be 189. 12, with a total payback amount of 2,269. 44 which including the 3 fee paid from the loan amount, would have a total cost of 329. Representative 29. 82 APR. If you borrowed 5,000 over a 48 month period and the loan had an 8 arrangement fee (400), your monthly repayments bpi personal loan be 131. 67, with a total payback amount of 6,320. 12 which including the 8 bpi personal loan paid from the loan amount, would have a total cost of 1,720.