Estimates only. Not financial advice.
APR captures the real yearly cost of borrowing by folding fees into the rate. We compute your monthly payment from the note rate, then solve for the APR that equals your net proceeds (amount minus fees).
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APR includes fees, so it's usually higher than the note rate.
It lets you compare loans on equal footing.
Origination and finance charges; enter them in the fees field.
No , an estimate.