APR Calculator
Find the annual percentage rate (APR) of a loan once upfront fees are included, so you can compare offers on equal terms.
Your numbers
- Stated rate
- 9%
- Monthly payment
- $519
- Finance charge
- $6,888
- Stated rate
- APR
How the apr calculator works
We compute the payment from the stated rate, then find the rate that equates that payment stream to the net amount you actually receive (loan minus fees). That rate, annualized, is the APR.
Example
Using the default inputs (Loan amount: $25,000; Stated interest rate: 9%; Term (months): 60; Upfront fees: $750), the calculator returns apr of 10.31%. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
Why is APR higher than the interest rate?
Because APR spreads fees across the loan term in addition to interest.
Is APR the same as APY?
No. APR does not include compounding within the year; APY does.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.