What is the penalty on a loan for 795.18 in penalty is 9 and 3 quarters percent due on nov 1 2006 but not paid till Jan 18 2007 what wouldthe total amount b due on Jan 18 2007?

What is the penalty on a loan for 795.18 in penalty is 9 and 3 quarters percent due on nov 1 2006 but not paid till Jan 18 2007 what wouldthe total amount b due on Jan 18 2007?
9.75 percent of 795.18 is 77.53. If that's the rate for the whole year, you would pay 6.46 for every month that was late, three so far.