Online APR Calculator
Estimate APR from loan amount, optional fees, interest rate, and term. Uses approximate formula (2×n×I)/(P×(N+1)) or standard method.
Frequently Asked Questions
- What is APR?
- Annual Percentage Rate includes interest and certain fees, giving a better comparison of loan cost than the interest rate alone.
- How is APR approximated?
- One common approximation: APR ≈ (2 × number of payments × total interest + fees) / (principal × (number of payments + 1)) × (payments per year).
- Do fees affect APR?
- Yes. Upfront fees reduce the amount you effectively receive and increase the true cost, so APR is higher when fees are included.
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