The calculation formula of interest is: amount * annual interest rate * years, that is,10000 *15.38% * 3 = 46140 yuan.

According to the current benchmark interest rate of the central bank, a loan of 654.38+10,000 yuan is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.90% for more than five years, and the three-year interest rate is 14250 yuan. However, major banks and commercial lending institutions will rise or fall according to this benchmark interest rate, and the specific interest rate is also related to the specific interest rate of the user lending platform.