Here is our formula for finding the nth term of an arithmetic sequence.

In this formula,
represents the term we want to find,
is our first term,
n is the term we want to find, and d is the common difference.
So we have
.
Simplifying inside the parentheses, we have
20 + 36 · 4 or 20 + 144 which gives us 164.
So the 37th term of the sequence is 164.