Annual Cost of Credit

Loans hide their true cost behind interest rates and sneaky fees. Enter the amount, rate, term and charges to see what credit really costs you every year.

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📊 True APR

Interest alone understates borrowing costs. Fees and charges are folded into a real annual rate.

💰 Full cost picture

See total repaid and the true cost of credit including every upfront fee.

⚡ Instant compare

Adjust rates and fees to compare offers and pick the cheapest credit.

🔒 Private

Runs entirely in your browser. No data leaves your device.

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