APR Calculator
Calculate the true Annual Percentage Rate (APR) including origination fees, points, and finance charges.
Fees & charges
Result
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Enter loan amount, rate, term, and fees, then click Calculate.
APR reflects the true cost of borrowing including interest and finance charges spread over the loan term.
Amount, rate, and term in months.
Origination, points, and other finance charges.
APR is always ≥ nominal rate when fees exist.
$25,000, 7.5% rate, 60 months, $500 origination fee.
APR shows the true cost for comparing offers.
Comparing APR across different terms
Fix: Term must match for apples-to-apples comparison.
Ignoring fees
Fix: APR exists precisely to account for fees.
Calculate the true Annual Percentage Rate (APR) including origination fees, points, and finance charges.
Fees & charges
Result
—
Enter loan amount, rate, term, and fees, then click Calculate.