I'm adding this from the standpoint of "not wanting to buy new right now." Obviously this is your call but I'm covering other options. My 2017 5K iMac is still quite speedy.
Unless something is wrong with your Fusion Drive system, you should not be having slow loads. However, Fusion was not a trouble-free technology. Also, useless aftermarket utilities like anti-virus and so-called "cleaning apps are useless and known performance killers.
The only way we can effectively see if your current Mac is salvageable is if you post a system config report. Fortunately there is a safe secure way to do so, and it may reveal steps you can so at home that extend the only Mac's serice life while you shop for a new one.
If you want a data-driven evaluation in this setting where we can neither see nor touch your computer, please post an EtreCheck report. We can quickly and within the limitations of these forums help you determine what issues are at play without our playing a protracted game of "20 Questions" with you that could go on for days.
EtreCheck Pro is available here:
https://etrecheck.com/index
The free version will do nicely for this purpose, although the app is worthy of our financial support.
We can see hard data about drive performance, software issues and interferences, and RAM usage. Etrecheck is the development of a long-serving and trusted ASC contributor. It is a reporting app, not a "fix-it” app, expressly for displaying information in these forums to help us help you remotely. It will not reveal any personal or secure information.
Please see this excellent user tip on how to post long text reports like EtreCheck's into a forum response:
How to use the Add Text Feature When Post… - Apple Community
Please post the entire report. What seems insignificant to a new Etrecheck user can speak volumes to those of us who have reviewed thousands of those reports.