APR Calculator
Use this calculator to find your true Annual Percentage Rate, including fees and interest, so you can accurately compare loan offers.
Understanding Your APR
The Annual Percentage Rate (APR) reflects the total yearly cost of borrowing money once all fees and interest are included. It allows you to compare loans fairly, even when lenders charge different fees or offer varying interest rates.
Because the APR represents both interest and upfront costs, it’s often higher than the advertised rate. A loan with lower interest but higher fees can actually have a higher APR than one with a slightly higher interest rate but fewer fees.
Use this calculator to reveal the real cost behind loan offers and make confident, informed financial decisions.