The loan amount is 3700 yuan.

The annual interest rate is 100.257%.

Annual interest rate "36%

Monthly repayment of 809 yuan

The total interest is 1 154 yuan.

The total repayment amount is 4854 yuan.

If the interest is calculated according to the national annual interest rate ceiling of 36%

The loan period is 6 months.

The loan amount is 3700 yuan.

The monthly repayment is 683.0 1 yuan.

The total interest is 398.06 yuan.

The total repayment amount is 4098.06 yuan.

Monthly repayment difference = 809-683.01=125.99 yuan.

Total interest difference =1154-398.06 = 755.94 yuan.

1. Interest ≤24%, which is supported by the people's court.

2.24% & lt； If the interest is less than or equal to 36% and the borrower pays it voluntarily and asks the lender to return it, the people's court will not support it.

3. The interest rate is 36%, and the interest agreement for the part exceeding 36% is invalid. If the borrower requests the lender to return the interest paid for the part exceeding 36% per annum, the people's court shall support it.

This situation belongs to the above third situation, hope to adopt it!