inglés al español Negocios/Finanzas Finanzas (general) Estados financieros

¿Cómo puesdo traducir el término del tema al español? Encontré esta definición:

A contract loan is also known an add-on-loan. This refers to a loan in which the interest is calculated at the stated rate for the loan agreement's full term for the full principal amount. Then the interest is added to the principal before installment payments are calculated. It further results in a higher amount of interest if it were to be calculated on the monthly unpaid balance. Consumer loans are typically add-on loans.