APR Calculator
Calculate a loan’s estimated APR from the interest rate, monthly payment, fees, points, term, and optional balloon payment.
Last updated: August 2026
APR Calculator
An 8.00% stated rate with $300.00 in upfront fees produces an estimated APR of about 10.08%.
Fee breakdown
| Lender fee | $300.00 |
|---|---|
| Points | $0.00 |
| Net amount financed | $9,700.00 |
This is a mathematical APR estimate based only on entered cash flows, not a legal disclosure or loan offer.