APR Calculator

Estimate annual percentage rate from amount financed, payment size, term length, and finance charges.

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Input

Enter the financed amount, payment, term, and fee values so the calculator can estimate the annual percentage rate behind the loan. This tool shows the result instantly without step-by-step output.

Input summary

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How to use APR Calculator

Provide the loan cash-flow details and finance charges, and the calculator will estimate the effective annual borrowing rate implied by the full deal.

What this calculator is for

This calculator is for comparing loan offers where fees and financed costs make the nominal rate alone misleading. It helps borrowers see a truer borrowing-cost measure than interest rate by itself.

Tips

APR can differ from the stated interest rate because fees and financed charges matter, so compare both numbers before choosing a loan.
Use the actual amount financed, not simply the sticker price, if part of the cost is paid up front or rolled into the note.