APR from Fees Calculator

The principal actually borrowed — the amount the quoted nominal rate applies to.

The yearly interest rate in percent, as quoted by the bank or lender — enter 5 for 5%.

Even a fraction of a percent compounds into a visible difference over a long term, so it pays to compare offers.

The repayment term. The shorter the term, the more a fixed fee inflates the APR, because it is spread over fewer payments.

All one-time charges — origination, arrangement, closing. The APR answers: what rate would produce these same payments if the fees were charged as interest instead?