AprSpreadsheetAddOnNoInterestCap

First payment day	4 payments	5 payments	6 payments
3	4085.5 %	4513.7 %	4716 %
4	3930.6 %	4326.8 %	4527.1 %
5	3787.6 %	4154.5 %	4345 %
6	3655.7 %	3996.6 %	4176.2 %
7	3533.1 %	3849.3 %	4019.6 %
8	3419.4 %	3712.1 %	3874 %
9	3313.2 %	3584.7 %	3737.9 %
10	3214.1 %	3466.7 %	3611 %
11	3121.1 %	3355.5 %	3493.5 %
12	3033.9 %	3251 %	3382 %
13	2951.8 %	3153.2 %	3277.4 %
14	2874.5 %	3061.9 %	3178.7 %
15	2801.4 %	2975.2 %	3085.8 %
16	2732.7 %	2892.9 %	2997.9 %
17	2666.9 %	2815.6 %	2915.9 %
18	2605.1 %	2743 %	2837.3 %
19	2545.8 %	2673.5 %	2763 %
20	2489.9 %	2607.5 %	2692.2 %
21	2436.1 %	2544.6 %	2625 %
22	2385.6 %	2485 %	2561 %
23	2336.9 %	2428.8 %	2500.1 %
24	2290.2 %	2374.5 %	2442.7 %
25	2245.5 %	2322.6 %	2387.3 %
26	2202.7 %	2273.2 %	2334.3 %
27	2161.7 %	2226.4 %	2283.6 %
28	2122.2 %	2181 %	2235 %
29	2075.7 %	2132.1 %	2175.1 %
30	2039.1 %	2090.7 %	2131.1 %
31	2004.3 %	2051.3 %	2088.7 %
32	1970.8 %	2013.1 %	2048.2 %

Description

Range of APRs for different payment counts and first payment days, using the add-on interest method with no interest cap

Generated: see details

Basic 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	rounding: rounded up level-payment option: lower final payment
Fee options	no fee
Interest options	standard rate: 0.798 % per day method: add-on rounding: rounded down APR method: UK FCA to 1 d.p. cap: total n/a; daily n/a

Advanced Parameters

Payment options	scheduling: as scheduled timeout: 3 days minimum: defer or write off up to 0.50
Interest options	initial grace period: 3 day(s) rate on negative balance: zero promotional rates: n/a
Fee options	no fee
Charge options	no charges
Settlement day	n/a
Trim unrequired payments	false