APR (Annual Percentage Rate)
A yearly cost-of-credit measure; fees can push effective cost above the headline rate.
Published
APR aims to express the yearly cost of borrowing in a comparable way. Headline interest rates may exclude fees. Our true-cost calculator shows an illustrative effective rate when an upfront fee reduces cash received.
Regulated APR / comparison-rate figures follow local rules and may differ from this illustration. Always rely on the lender’s disclosure.
Related
Calculators and articles on LoanCalc Lab are illustrative and not personalised financial advice or a credit offer. Always check the lender’s disclosure for your country before you borrow.