36] (2009).° After all, the loan binds Mr. Steadman to make monthly payments to the lender over the course of 30 years. (See Note); Lectus, Inc. v. Rainier Nat. Bank, 97 Wn.2d 584, 647 P.2d 1001, 1003 (Wash. 1982) (finding that a contract calling for monthly payments over a period of five years was within