Loan APR & APRC Disclosure Builder

Calculate and generate compliant Annual Percentage Rate (APR) and Annual Percentage Rate of Charge (APRC) disclosures for consumer and mortgage loans under EU Consumer Credit Directive 2 (CCD2), UK FCA MCOB/CONC, and US TILA/Regulation Z. Produces standardised disclosure text and amortisation schedule.

⚠ This tool calculates APR/APRC using standard actuarial and Newton-Raphson methods. Disclosure text is illustrative reference wording. Always review with your legal and compliance team before using in customer-facing documents. Rates and formulations may vary by jurisdiction and product type.

EU CCD2 UK FCA US TILA Zero PII Client-Side

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. APR/APRC calculations use standard actuarial methods. Disclosure text is illustrative reference wording based on regulatory frameworks as of May 2026. Verify against current primary sources before use. Deterministic logic · no inference · zero PII · CC BY 4.0.

📄 Loan Details

Loan Type

Jurisdiction

Currency

Loan Amount

Term (months)

Interest Rate Type

Annual Interest Rate (% pa)

Repayment Type

💵 Fees & Charges

Fees included in APR/APRC calculation per regulation (compulsory fees only). Mark fee as 0 to exclude.