Lenders advertise a "nominal" interest rate — but once origination or admin fees are folded in, the effective APR you actually pay can be meaningfully higher. This calculator works out your loan's real APR and true total cost, instantly.

Currency

Loan amount (principal)

Advertised (nominal) annual interest rate (%)

Loan term (months)

Upfront fees Add any one-time fee charged when you take out the loan — origination fee, admin fee, and so on — not recurring charges.

Please fill in the currency, loan amount, rate, and term before calculating.

Your real APR, once fees are included

Still inside your cooling-off window? Generate a cancellation/withdrawal letter →

Get the latest on new scams, free tools, and consumer protection tips — straight to your inbox.

Ready to protect yourself?

Start for free →

Kibbo

Tools

Generators Templates Checklists Analyzers Calculators

Content

Blog Investigations Questions Directory

Company

About Us Consumer Rights by Country