AprSpreadsheetSimple

First payment day	4 payments	5 payments	6 payments
3	1284.9 %	1278.7 %	1274.6 %
4	1291.7 %	1284.1 %	1279.1 %
5	1297.3 %	1288.8 %	1283.4 %
6	1302.9 %	1293.1 %	1287 %
7	1306.7 %	1296.6 %	1290.2 %
8	1310 %	1299.5 %	1292.6 %
9	1312.2 %	1301.6 %	1294.5 %
10	1314.1 %	1303 %	1296 %
11	1315.2 %	1304.2 %	1297.1 %
12	1315.9 %	1305.1 %	1297.8 %
13	1315.7 %	1305 %	1298 %
14	1315.3 %	1304.7 %	1297.8 %
15	1314 %	1304 %	1297.2 %
16	1312.6 %	1303 %	1296.5 %
17	1310.5 %	1301.4 %	1295.2 %
18	1308.3 %	1299.7 %	1293.8 %
19	1305.8 %	1297.7 %	1292 %
20	1302.8 %	1295.2 %	1290 %
21	1299.4 %	1292.6 %	1287.5 %
22	1295.6 %	1289.4 %	1285.1 %
23	1292 %	1286.4 %	1282.3 %
24	1287.9 %	1283 %	1279.4 %
25	1283.6 %	1279.3 %	1276.3 %
26	1279 %	1275.5 %	1272.9 %
27	1274.3 %	1271.5 %	1269.4 %
28	1269.4 %	1267.4 %	1265.7 %
29	1262.1 %	1260.6 %	1260.1 %
30	1256.9 %	1256.3 %	1256.2 %
31	1251.7 %	1251.8 %	1217.2 %
32	1246.3 %	1246.9 %	1180 %

Description

Range of APRs for different payment counts and first payment days, using the simple interest method

Generated: 2025-04-28 using library version 2.2.10

Parameters

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: simple 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 %