As a supplement to the main motor vehicle rate chart, the OCCC also provides this chart expressing the $12.50 and $15 add-on rates as effective interest rates for contract terms ranging from 1 to 84 months.

Term in # of months $12.50 per $100.00 per year $15 per $100.00 per year
1 18.0000 18.0000
2 18.000 19.9452
3 18.6541 22.3624
4 19.8374 23.7670
5 20.5996 24.6655
6 21.1215 25.2754
7 21.4935 25.7054
8 21.7659 26.0160
9 21.9688 26.2435
10 22.1215 26.4109
11 22.2367 26.5338
12 22.3232 26.6226
13 22.3875 26.6849
14 22.4340 26.7265
15 22.4664 26.7513
16 22.4872 26.7626
17 22.4985 26.7628
18 22.5020 26.7540
19 22.4988 26.7375
20 22.4901 26.7148
21 22.4768 26.6867
22 22.4594 26.6542
23 22.4387 26.6178
24 22.4150 26.5783
25 22.3889 26.5360
26 22.3605 26.4915
27 22.3304 26.4449
28 22.2986 26.3968
29 22.2654 26.3472
30 22.2311 26.2964
31 22.1957 26.2446
32 22.1594 26.1920
33 22.1224 26.1387
34 22.0847 26.0848
35 22.0464 26.0305
36 22.0077 25.9759
37 21.9686 25.9210
38 21.9292 25.8659
39 21.8895 25.8106
40 21.8496 25.7553
41 21.8095 25.7000
42 21.7693 25.6447
43 21.7290 25.5894
44 21.6886 25.5343
45 21.6483 25.4793
46 21.6079 25.4245
47 21.5679 25.3699
48 21.5273 25.3155
49 21.4871 25.2613
50 21.4469 25.2074
51 21.4069 25.1537
52 21.3670 25.1003
53 21.3272 25.0473
54 21.2876 24.9945
55 21.2481 24.9420
56 21.2088 24.8898
57 21.1696 24.8380
58 21.1307 24.7865
59 21.0919 24.7354
60 21.0533 24.6845
61 21.0149 24.6341
62 20.9767 24.5839
63 20.9387 24.5342
64 20.9009 24.4847
65 20.8633 24.4357
66 20.8259 24.3870
67 20.7888 24.3386
68 20.7518 24.2906
69 20.7151 24.2430
70 20.6786 24.1957
71 20.6423 24.1488
72 20.6063 24.1022
73 20.5705 24.0559
74 20.5349 24.0101
75 20.4995 23.9645
76 20.4643 23.9194
77 20.4294 23.8745
78 20.3947 23.8300
79 20.3602 23.7859
80 20.3259 23.7421
81 20.2919 23.6986
82 20.2581 23.6555
83 20.2245 23.6127
84 20.1911 23.5702