The yearly cost of borrowing, shown as a percent. It includes the interest rate plus most fees, so it is the truest price of the loan.
年化利率
| Move变动 | Where it appeared出现位置 | What it means这句话在说什么 |
|---|---|---|
| 7% | Car payments just hit a record $787 a month — and 1 in 4 new-car buyers is now signing a 7-year loan 年化利率 · 第 4 张术语卡 | Why it matters here ▸ The average new-car APR held at 7% in Q3 2026, unchanged from a year earlier — high rates are a key reason payments keep setting records. APR 和「利率」不同：利率只是资金的价格，APR 把费用也算进去，所以比较贷款要看 APR 而不是只看利率。新车 APR 7%、二手车 10.6%，都显著高于前些年。 |