APR Calculator

Calculate the true Annual Percentage Rate (APR) including all fees to understand the real cost of a loan.

Loan Details

Enter the loan terms and all associated fees

Loan Amount

The amount you're borrowing

Stated Interest Rate

The advertised interest rate

Loan Term

months

Repayment period

Origination Fee

Upfront fee charged by lender

Other Fees

Application, processing, or other fees

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Understanding APR

The APR (8%) is higher than the stated rate (7%) because it includes fees.

This represents the true annual cost of borrowing when fees are factored in.

APR Analysis

True cost of your loan

True APR8%

Stated Interest Rate7%

Rate Difference+1%

Monthly Payment

Net Proceeds

Total Interest

Total Fees

Total Cost