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The Advanced APR Calculator finds the effective annual percentage rate (APR) for a loan (fixed mortgage, car loan, etc.), allowing you to specify interest compounding and payment frequencies. Input loan amount, interest rate, number of payments and financing fees to find the APR for the loan. Free calculator to find out the real APR of a loan, considering all the fees and extra charges. There is also a version specially designed for mortgage loans. Real APR is the true indicator of a loan's costs, and is ideal for loan comparison.

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APR Examples. Suppose you lend me $20 for a year at 10% interest. At the end of the year I will owe you 20 + (20 x 10%) = 20 + 2 = $22. Now, 2/20 = 0.10, so the APR is 10%. This is a one-year loan at an interest rate of 10% and an The APR can help you evaluate all offers and promotions. Generally, lenders cannot change the APR for the first 12 months.