Annual Percentage Rate (APR)

Your Annual Percentage Rate, or APR, will be given as a percentage. Your APR is effectively your finance charge, as it’s the amount you will repay on top of your principal borrowing.
It’s important to note that your APR does not include things like the establishment fee, monthly fee, or any other charges.
Instead, you should look at your comparison rate. This includes all fees the lender will charge you and tell you the true cost of your loan.