# Interest Rate Versus Apr Cost Map

Map the gap between a loan’s interest rate and its APR against the fees that drive it.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
The note rate, the APR, and the fees included in the APR.

## Workflow
1. Record the note rate and the APR.
2. Record the fees included in the APR.
3. Confirm the APR sits above the note rate when fees exist.
4. Return the map without lender changes.

## Output contract
loan | note_rate | apr | fee_total | apr_minus_note | consistent

## Fictional acceptance test
Fictional loan quotes a note rate of 6.50% and an APR of 6.85%, a gap of 0.35 points driven by 4,200 of fees: an APR below the note rate would contradict the fee record.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-loan-interest-rate-and-the-apr-en-733/

Checked October 21, 2026. Oct17 live AIS Search Console (sc-domain property, tej@groweasy.ai, Saturday audit): Oct 9-15 complete week 22 clicks, 937 impressions, 2.3% CTR, position 10.6, day-row verified. Top queries: Muse India 125i (3-month), Planable/Claude social agent 45i, marketing Copilot 37i, Planable/ChatGPT 24i, investor agents 19i, Copilot investment-committee 14i, cash flow forecasting 13i, campaign brief 12i. Google Trends verified Oct 17: muse glimmer/spark rising. Site impressions are query leads, not monthly volumes; exact topic volume is unmeasured.