{"id":36060,"date":"2019-06-14T10:38:28","date_gmt":"2019-06-14T18:38:28","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=36060"},"modified":"2024-01-25T13:23:26","modified_gmt":"2024-01-25T21:23:26","slug":"what-is-apr","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/what-is-apr\/","title":{"rendered":"What Is APR?"},"content":{"rendered":"<p>Although APR and interest rate are often used interchangeably, they\u2019re not the same thing. Because APR includes fees as well as interest, it gives you a better idea of a loan\u2019s actual cost \u2014 APR is the true cost of borrowing.<\/p>\n<p><strong>In this post:<\/strong><\/p>\n<ul>\n<li><em><a href=\"#fees\">Fees included in APR<\/a><\/em><\/li>\n<li><em><a href=\"#types\">Types of APR<\/a><\/em><\/li>\n<li><em><a href=\"#credit-cards\">Credit card APR<\/a><\/em><\/li>\n<li><em><a href=\"#loan-cost\">APR\u2019s impact on loan cost<\/a><\/em><\/li>\n<\/ul>\n<p><a name=\"fees\"><\/a><\/p>\n<h2>Fees included in APR<\/h2>\n<p>You\u2019ll likely come across APR during several points of your life, such as when you buy a car or shop for a home. The fees included in APR are dependent on the type of credit you\u2019re looking at:<\/p>\n<ul>\n<li><strong>Personal loans:<\/strong> APR for <a href=\"https:\/\/www.credible.com\/personal-loan\">personal loans<\/a> will include interest rates and origination fees.<\/li>\n<li><strong>Credit cards:<\/strong> Credit cards don\u2019t have upfront fees, only an interest rate.<\/li>\n<li><strong>Mortgages:<\/strong> Fees like loan processing fees, underwriting fees, document preparation fees, private mortgage insurance, and escrow\/settlement fees are generally included <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/mortgage-apr\/\">within the APR<\/a> for a <a href=\"https:\/\/www.credible.com\/mortgage\">home loan<\/a>.<\/li>\n<\/ul>\n<p>If you\u2019re not sure what\u2019s included, ask the lender to specify the fees within the APR.<\/p>\n<p><a name=\"types\"><\/a><\/p>\n<h2>Types of APR<\/h2>\n<p>When it comes to APR, it\u2019s important to know that there are two core types:<\/p>\n<ol>\n<li><strong>Fixed-rate APR:<\/strong> A fixed rate APR means that the rate will stay the same for the duration of your loan. In the case of a 30-year mortgage, for example, you\u2019ll have one set rate and one fixed monthly payment.<\/li>\n<li><strong>Variable-rate APR:<\/strong> A variable-rate APR works differently. While a variable rate APR often starts out lower than a fixed-rate APR, it can fluctuate over time in response to market changes. Your APR could increase, which would also cause your monthly payment to go up, too.<\/li>\n<\/ol>\n<p><em><strong>Learn more: <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/choosing-fixed-or-variable-rate-student-loan\/\">Fixed vs. Variable Rate Loans<\/a><\/strong><\/em><\/p>\n<p><a name=\"credit-cards\"><\/a><\/p>\n<h3>Credit card APR<\/h3>\n<p>For <a href=\"https:\/\/www.credible.com\/blog\/credit-cards\/how-do-credit-cards-work\/\">credit cards<\/a>, which don\u2019t have upfront fees, the terms interest rate and APR can be used interchangeably. Credit cards typically include several different APR listings. Below are some of the common credit card APRs you\u2019ll see:<\/p>\n<ul>\n<li><strong>Purchase APR:<\/strong> The purchase APR is the rate you\u2019ll pay on new purchases.<\/li>\n<li><strong>Introductory APR:<\/strong> Some credit cards offer an introductory APR for a set time period. For example, you may get 0% APR for 12 months, giving you time to finance a purchase without worrying about interest fees.<\/li>\n<li><strong>Balance transfer APR:<\/strong> The balance transfer APR is the rate you\u2019ll pay when you transfer the balance from one credit card to another.<\/li>\n<li><strong>Cash advance APR:<\/strong> If you take out a cash advance, you\u2019ll typically pay a higher APR.<\/li>\n<li><strong>Penalty APR:<\/strong> If you miss a payment, the credit card company may charge you a penalty APR, a higher rate for new purchases.<\/li>\n<\/ul>\n<p><a name=\"loan-cost\"><\/a><\/p>\n<h2>APR\u2019s impact on loan cost<\/h2>\n<p>The APR you receive is dependent on a number of factors, such as your credit score, income, the amount you intend to borrow, and the repayment term you select. In general, the better your credit and shorter the repayment term, the lower your APR.<\/p>\n<p>However, APR can vary from lender to lender. The APR you\u2019re offered can vary by whole percentage points.<\/p>\n<p>While one lender may offer you a loan at 10% APR, another could offer you a loan at just 8% APR. That may not sound like a huge difference, but it can have a big impact on how much you pay in interest over the life of your loan.<\/p>\n<div class=\"basic-box\" style=\"border: 2px solid #E2E4E6;\"><div class=\"basic-box__inside\"><strong>Example:<\/strong> Let\u2019s say you took out a <a href=\"https:\/\/www.credible.com\/personal-loan\/10k-loan\">$10,000 personal loan<\/a> with a five-year repayment term and an APR of 10%. Your monthly payment would be $212, and over the course of five years, you\u2019d repay a total of $12,748.<\/p>\n<p>But let\u2019s say you shopped around and qualified for a loan at just 8% APR with another lender. If you still had a five-year repayment term, your monthly payment would be $203, and you\u2019d repay a total of just $12,166. The lower APR would help you save nearly $600.<\/p>\n\n<table id=\"tablepress-122\" class=\"tablepress tablepress-id-122 table table-border-top table-rounded table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\">10% APR<\/th><th class=\"column-3\">8% APR<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Loan amount<\/strong><\/td><td class=\"column-2\">$10,000<\/td><td class=\"column-3\">$10,000<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Repayment term<\/strong><\/td><td class=\"column-2\">5 years<\/td><td class=\"column-3\">5 years<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Monthly payment<\/strong><\/td><td class=\"column-2\">$212<\/td><td class=\"column-3\">$203<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Total interest repaid<\/strong><\/td><td class=\"column-2\">$2,748<\/td><td class=\"column-3\">$2,166<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>Total amount repaid<\/strong><\/td><td class=\"column-2\">$12,748<\/td><td class=\"column-3\">$12,166<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<\/div><\/div>\n<p><em><strong>Check Out: <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/best-personal-loan-lenders\/\">The Best Personal Loans<\/a><\/strong><\/em><\/p>\n<h2>The bottom line<\/h2>\n<p>When <a href=\"https:\/\/www.credible.com\/personal-loan\">shopping for a personal loan<\/a> or a <a href=\"https:\/\/www.credible.com\/credit-cards\">new credit card<\/a>, make sure to pay special attention to the APR. It\u2019s the best indicator of the total cost, helping you understand how much you\u2019ll have to pay in interest and fees over the course of a year.<\/p>\n<p>Before submitting your application for a new <a href=\"\/personal-loan\/personal-line-credit-vs-personal-loan\">line of credit<\/a>, make sure you compare offers from multiple personal loan lenders to ensure you get the lowest rates.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\">\n<p style=\"text-align: center;\"><strong>Get personalized rates from Credible\u2019s vetted partner lenders without affecting your credit score!<\/strong><\/p>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\">Find My Rates Now<\/a><br \/>\n<!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Although APR and interest rate are often used interchangeably, they\u2019re not the same thing. Because APR includes fees as well as interest, it gives you a better idea of a loan\u2019s actual cost \u2014 APR&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/what-is-apr\/\">Continue reading<\/a><\/p>\n","protected":false},"author":28,"featured_media":36063,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[396],"tags":[1515],"class_list":{"0":"post-36060","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-personal-loan","8":"tag-personal-loan-basics","9":"what-is-apr","11":"post_tag-personal-loan-basics"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is APR? 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[Annual Percentage Rate] | Credible","isPartOf":{"@id":"https:\/\/www.credible.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.credible.com\/blog\/what-is-apr\/#primaryimage"},"image":{"@id":"https:\/\/www.credible.com\/blog\/what-is-apr\/#primaryimage"},"thumbnailUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/06\/what-is-apr.png","datePublished":"2019-06-14T18:38:28+00:00","dateModified":"2024-01-25T21:23:26+00:00","description":"When applying for a new loan, you\u2019ll hear a lot of new terms. But what is APR? 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