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リボルビング残債３０万円、毎月支払額１万円（元金均等＋利息）、実質年利１５％
２か月に１度、３万円散財という前提で４０月が経過した時の状況。
| 月数 | 借入残高 | 散財 | 返済 | 実質金利 | 支払額合計 |
|---|---|---|---|---|---|
| 600,000 | 10,000 | 15% | 595,000 | ||
| 1 | 300,000 | 0 | 10,000 | 3,750 | 13,750 |
| 2 | 290,000 | 30,000 | 10,000 | 3,625 | 13,625 |
| 3 | 310,000 | 0 | 10,000 | 3,875 | 13,875 |
| 4 | 300,000 | 30,000 | 10,000 | 3,750 | 13,750 |
| 5 | 320,000 | 0 | 10,000 | 4,000 | 14,000 |
| 6 | 310,000 | 30,000 | 10,000 | 3,875 | 13,875 |
| 7 | 330,000 | 0 | 10,000 | 4,125 | 14,125 |
| 8 | 320,000 | 30,000 | 10,000 | 4,000 | 14,000 |
| 9 | 340,000 | 0 | 10,000 | 4,250 | 14,250 |
| 10 | 330,000 | 30,000 | 10,000 | 4,125 | 14,125 |
| 11 | 350,000 | 0 | 10,000 | 4,375 | 14,375 |
| 12 | 340,000 | 30,000 | 10,000 | 4,250 | 14,250 |
| 13 | 360,000 | 0 | 10,000 | 4,500 | 14,500 |
| 14 | 350,000 | 30,000 | 10,000 | 4,375 | 14,375 |
| 15 | 370,000 | 0 | 10,000 | 4,625 | 14,625 |
| 16 | 360,000 | 30,000 | 10,000 | 4,500 | 14,500 |
| 17 | 380,000 | 0 | 10,000 | 4,750 | 14,750 |
| 18 | 370,000 | 30,000 | 10,000 | 4,625 | 14,625 |
| 19 | 390,000 | 0 | 10,000 | 4,875 | 14,875 |
| 20 | 380,000 | 30,000 | 10,000 | 4,750 | 14,750 |
| 21 | 400,000 | 0 | 10,000 | 5,000 | 15,000 |
| 22 | 390,000 | 30,000 | 10,000 | 4,875 | 14,875 |
| 23 | 410,000 | 0 | 10,000 | 5,125 | 15,125 |
| 24 | 400,000 | 30,000 | 10,000 | 5,000 | 15,000 |
| 25 | 420,000 | 0 | 10,000 | 5,250 | 15,250 |
| 26 | 410,000 | 30,000 | 10,000 | 5,125 | 15,125 |
| 27 | 430,000 | 0 | 10,000 | 5,375 | 15,375 |
| 28 | 420,000 | 30,000 | 10,000 | 5,250 | 15,250 |
| 29 | 440,000 | 0 | 10,000 | 5,500 | 15,500 |
| 30 | 430,000 | 30,000 | 10,000 | 5,375 | 15,375 |
| 31 | 450,000 | 0 | 10,000 | 5,625 | 15,625 |
| 32 | 440,000 | 30,000 | 10,000 | 5,500 | 15,500 |
| 33 | 460,000 | 0 | 10,000 | 5,750 | 15,750 |
| 34 | 450,000 | 30,000 | 10,000 | 5,625 | 15,625 |
| 35 | 470,000 | 0 | 10,000 | 5,875 | 15,875 |
| 36 | 460,000 | 30,000 | 10,000 | 5,750 | 15,750 |
| 37 | 480,000 | 0 | 10,000 | 6,000 | 16,000 |
| 38 | 470,000 | 30,000 | 10,000 | 5,875 | 15,875 |
| 39 | 490,000 | 0 | 10,000 | 6,125 | 16,125 |
| 40 | 480,000 | 30,000 | 10,000 | 6,000 | 16,000 |
| 500,000 |
３年４ヶ月後、リボルビングの残債が３０万円から５０万円に増加する。
この間に支払う利子は１９５，０００円となる。
残債と利子の負担が、回を重ねるごとに増加、最低支払金額が足りていない。