What is the difference between APR and Interest Rate?

The APR, or Annual Percentage Rate, is often higher than the quoted interest rate, or note rate. This is because the APR includes, in addition to interest, some of the additional costs of obtaining your financing. Simply stated, if there were no costs in obtaining financing, your note rate and your APR would be the same. Your APR will be noted on your Truth-in-Lending disclosure that you receive after application.

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