Free Online APR Calculator
Calculate the Annual Percentage Rate for loans and credit cards. Compare the true cost of borrowing by including fees, compound frequency, and loan terms.
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Total Interest
$2500.00
Total to Repay
$12500.00
Monthly Payment
$208.33
How to Use APR Calculator
- 1
Enter the loan amount and stated interest rate
- 2
Add any upfront fees or closing costs
- 3
See the effective APR including all costs
Frequently Asked Questions
What is APR?▾
APR (Annual Percentage Rate) is the total yearly cost of borrowing, expressed as a percentage. It includes the interest rate plus any fees, making it a better comparison metric than the nominal rate alone.
What is the difference between APR and interest rate?▾
The interest rate is the base cost of borrowing the principal. APR includes the interest rate plus additional costs like origination fees, closing costs, and insurance — giving you the true cost of a loan.
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