APR Calculator

APR (Annual Percentage Rate) helps compare borrowing costs on a like-for-like annual basis. Enter loan details and fees to estimate APR and better compare offers. Everything runs locally in your browser — your inputs are not uploaded to produce the result.

APR is a yearly measure of borrowing cost that can include interest and certain fees, making offers easier to compare. Enter the first offer, review the summary, then click Save to comparison. Change the numbers for the next lender and add it. Repeat for as many offers as you like — the table highlights best APR and lowest total cost.

Fees and how interest is charged can push APR above the headline rate. Always compare APRs when shopping for credit. Lenders use regulated formulas that can differ slightly. Treat this as a helpful estimate for comparison. Use APR Calculator for quick planning; confirm important money, tax, or health decisions with an official source or professional when needed.

Headline rates hide arrangement fees, broker fees, and how interest is applied. APR annualises that cost so two loans of the same size and term are easier to rank. It is still an estimate: lenders use regulated formulae that can differ slightly from a web tool.

Save one offer, change the numbers, and add another. Rank by APR and by total cost — the cheapest APR is not always the lowest pounds paid if terms differ. Confirm the illustration the lender is legally required to give you.