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What Is APR and Why It Matters More Than Rate Alone
Jul 21, 2026
APR includes fees and loan costs, giving a fuller picture of borrowing expense.
The interest rate shows the cost of borrowing the principal. APR, or annual percentage rate, layers in many loan fees so you can compare offers more fairly.
Two loans with similar rates can have different APRs if one has higher origination fees or prepaid finance charges.
Use the APR Calculator to estimate how fees affect the true yearly cost of a loan.
When you compare lender options with Thai Nunes, look at both rate and APR alongside closing costs and service quality.