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APR Calculator Annual Percentage Rate (APR) for a loan gives you a bigger picture when shopping for the best deal on a loan. The APR lets you see the total cost of a mortgage, including closing fees and points, over the life of the loan - not just the interest due. Enter the following information to calculate the actual APR for a loan: Loan Amount Quoted Interest Rate (%) Points (%) Other Closing Costs to Include Length of Loan (in Years)