Installment True APR Lookup Table

Tool Guide

About the Installment True APR Lookup Table

This tool generates a lookup table showing the true effective APR (IRR) for credit card, Huabei, and similar installment products across a range of service-fee rates, so you can compare rates against real funding cost without calculating each one by hand.

Using a 0.05% step, the tool automatically produces 29 rate tiers from 0.05% to 1.50%, covering most fee ranges seen in real credit card and Huabei installment plans, so you can look up your rate directly.

Key Features

1. One-Click Rate Comparison Table

After entering the installment total and number of periods, the tool generates the per-period repayment amount and true effective APR for all 29 fee-rate tiers at once — no need to calculate each rate separately.

2. Two Fee-Charging Methods Supported

Supports both "service fee charged evenly each month" and "service fee charged once", the two most common installment fee structures. The true APR can differ significantly between them, and the tool covers both.

3. In-Table Search and Filter

Filter the generated table directly by fee rate or APR keyword to quickly locate the range you care about.

4. One-Click CSV Export

Export the generated results as a CSV file for record-keeping, printing, or further analysis in Excel.

How to Use

Step 1: Choose the fee-charging method (charged evenly each month, or charged once).

Step 2: Enter the installment total and the number of periods.

Step 3: Click "Generate table" to see the true APR for all 29 fee-rate tiers.

Step 4: To save the results, click "Export CSV" to download them.

Use Cases

Useful for credit card installments, Huabei installments, JD Baitiao installments, and similar plans, where you want to quickly compare the real funding cost across different fee rates before choosing an installment plan.

FAQ

Why use a lookup table instead of a single calculation?

A lookup table lists the true APR for many fee rates at once, making side-by-side comparison easy without re-entering data for every rate.

Is the fee-rate range fixed?

Yes. The tool always generates 29 tiers from 0.05% to 1.50% in 0.05% steps, covering the fee ranges commonly seen in installment plans.

Is the true APR the same for monthly and one-time charging?

No. At the same nominal rate, charging the fee once upfront usually produces a higher true APR, because more funding cost is front-loaded.

What fields are in the exported CSV?

The CSV includes the monthly fee rate, monthly payment, one-time first-month fee, and true effective APR for every row, ready for archiving or further analysis.