Loan Calculator with APR
True cost including the fee.
Your figures stay on your computer — no server, no tracking, no registrationTry: Loan amount=20000, Upfront fee=500, Nominal APR=6, Term=5 → $20,000, $500, 6%, 0%, $387
How to use
The nominal rate hides upfront fees. This solves for the effective APR — the real annual cost once the fee is spread over the payments.
Formula
Solve (1+i)n = 1 + i·n·PMT/(loan−fee), then APR = (1+i)12−1.
FAQ
Why APR not just rate?
APR folds in fees so you can compare loans fairly.
Big fee, big APR gap?
Yes — a large origination fee can lift the effective rate well above nominal.
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