Calculate APR using loan fees and payment frequency, compare offers, estimate payment totals, and generate an amortization schedule with CSV export.
APR vs RateFees & PointsMonthly / BiweeklySchedule Export
APR, Payment & Total Loan Cost Estimator
Model APR with fees, see effective annual rate, compare offers, and build a full repayment schedule.
APR
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Effective Annual Rate
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Periodic Rate
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Payment Amount
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Total Interest
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Total Paid
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Net Amount Received
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Total Finance Charge
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APR is modeled from the fees you enter and the payment stream. Actual APR definitions can vary by product type and jurisdiction, and some costs may be excluded.
Payment
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Total Paid
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Total Interest
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Periodic Rate
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Effective Annual Rate
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Payment is calculated from APR as a nominal periodic rate based on your selected payment frequency.
Offer A: APR
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Offer A: Payment
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Offer A: Total Paid
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Offer B: APR
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Offer B: Payment
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Offer B: Total Paid
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Lower APR
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Lower Total Cost
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Lower APR helps compare standardized borrowing costs, but total cost can differ depending on how fees are paid and how long you keep the loan.
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Date
Payment
Interest
Principal
Balance
The schedule uses the note rate and your selected fee treatment for the starting balance. APR is shown separately as the annualized cost including fees.
