Loan APR Calculator
Result
For reference only: Results are estimates for reference only; please confirm with your bank or a professional. Last updated: 2026-10-10
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How it works
Installment offers often advertise a low “flat” rate. Enter the amount, monthly payment, number of months and upfront fees to see the real APR so you can compare offers fairly.
FAQ
Why is APR higher than the advertised rate?
Flat rates charge interest on the original amount even as you repay, and fees add cost.
What counts as fees?
Origination, processing and any mandatory upfront charges.