APR Calculator
Estimate APR and borrowing cost for a fixed-rate loan including upfront fees.
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Your result
Monthly payment
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Estimated APR
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Total interest
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Total borrowing cost
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Enter your assumptions to see a short result summary.
Calculation notes
The default loan term is 10 years. You can freely enter a shorter or longer period. Terms above 40 years receive a guidance message rather than being automatically blocked.
How APR works
- The interest rate describes the stated cost of borrowing.
- APR estimates the annual borrowing cost after eligible upfront fees are considered.
- The calculator assumes regular monthly payments over the selected loan term.
Frequently asked questions
Why can APR be higher than the interest rate?
Upfront borrowing fees can increase the effective annual cost of the loan.
Is this an official lender APR?
No. It is an estimate. Regulatory APR calculations and included fees may vary by lender and jurisdiction.
Can I change the loan term?
Yes. The default is 10 years, but you can enter a shorter or longer term.
Disclaimer
Estimated APR only. Actual disclosed APR may vary by lender, fee treatment, timing, jurisdiction, and applicable regulations.