AprSpreadsheetAddOn

First payment day	4 payments	5 payments	6 payments
3	4085.5 %	4513.7 %	4716 %
4	3930.6 %	4326.8 %	4429.8 %
5	3787.6 %	4154.5 %	4124.1 %
6	3655.7 %	3996.6 %	3851 %
7	3533.1 %	3849.3 %	3605.9 %
8	3419.4 %	3712.5 %	3385.1 %
9	3313.2 %	3584.7 %	3185.5 %
10	3214.1 %	3465.5 %	3004.3 %
11	3121.1 %	3355.3 %	2839.3 %
12	3033.9 %	3251.4 %	2688.7 %
13	2951.8 %	3153 %	2550.8 %
14	2874.5 %	3060.9 %	2424.1 %
15	2801.4 %	2975 %	2307.5 %
16	2732.7 %	2893.4 %	2199.8 %
17	2666.9 %	2815.7 %	2100.3 %
18	2605.1 %	2742.2 %	2008 %
19	2545.8 %	2673.3 %	1922.2 %
20	2489.9 %	2607.6 %	1842.4 %
21	2436.1 %	2544.9 %	1768 %
22	2385.6 %	2485 %	1698.5 %
23	2336.9 %	2428.7 %	1633.5 %
24	2290.2 %	2374.5 %	1572.5 %
25	2245.5 %	2322.6 %	1515.3 %
26	2202.7 %	2273.2 %	1461.5 %
27	2161.7 %	2226.3 %	1410.9 %
28	2122.2 %	2176.5 %	1363.2 %
29	2075.7 %	2038.6 %	1298 %
30	2039.1 %	1954.3 %	1256.5 %
31	2004.3 %	1875.5 %	1217.2 %
32	1970.8 %	1801.9 %	1180 %

Range of APRs for different payment counts and first payment days, using the add-on interest method

Generated: 2025-04-28 using library version 2.2.10

Evaluation Date

2025-04-01

Start Date

2025-04-01

Principal

317.26

Schedule options

config: auto-generate schedule	schedule length: payment count 4
unit-period config: monthly from {2025-04 on 04} to {2025-05 on 02}

Payment options

scheduling: as scheduled

rounding: rounded up

timeout: 3

minimum: defer or write off up to 0.50

level-payment option: lower final payment

Fee options

no fee

Charge options

no charges

Interest options

standard rate: 0.798 % per day	method: add-on
rounding: rounded down	APR method: UK FCA to 1 d.p.
initial grace period: 3 day(s)	rate on negative balance: zero
promotional rates: n/a
cap: total 100 %; daily 0.8 %