The average annual percentage rate on new credit-card offers has increased for four consecutive months, one expert noted.

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APR, or annual percentage rate, is a calculation that includes both a loan’s interest rate and a loan’s finance charges, expressed as an annual cost over the life of the loan.

APR is the interest rate on a loan in annualized form. It's the total cost of borrowing for one year, when the interest rate and loan fees are added in, expressed as a percentage. A factor rate is ...

Here’s an example. A five-year loan at $28,800 with a 4.96 percent APR will accrue $3,778 over the life of the loan. The same loan amount and term with an 11.93 percent APR will accrue $9,577.

The APR is a broader measure of the total cost of the loan per year, including the interest rate, plus fees and other charges. This is why the APR is often higher than the interest rate.