Aretha applies for a $3,600.00 loan at an APR of 12% in order to purchase a used car for transportation in college. If she makes monthly payments of $118.50 for three years, what will be the total amount repaid?

3 years = 36 months * $118.50 = $4,266

Without the tax, etc. the load should be paid off with 36 times $120 at an APR of 12%. So, there is some information missing from the question. If you really want to take the APR into consideration. Otherwise, it's simply 36*$118.50