# Loan Interest Guide — APR Calculator & Payoff Plan

> Calculate and compare loan interest costs to make informed borrowing decisions. (iPhone/iPad app by 鲁 黄.)

- Source: https://appshunter.io/ios/app/loan-interest-guide/id6451242354 (this page in markdown: same URL + `.md`)
- Developer: [鲁 黄](https://appshunter.io/developer/1696562503)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 4.10/5 from 20 App Store ratings · 18 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 65 MB
- Languages: American English, Albanian, Arabic, Armenian, Azerbaijani, Bulgarian, Khmer, Croatian, Czech, Danish and 37 more
- Released: 2023-07-25
- Data updated: 2026-09-04
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/loan-interest-guide/id6451242354/reviews.md

## What is Loan Interest Guide?

Know the true cost of a loan before you commit.

Loan Interest Guide helps you estimate monthly payments, total interest, total repayment, and real APR—including optional fees. Compare repayment methods side by side, save loan plans, and see how rate changes or early payments may affect your total cost.

CALCULATE THE FULL COST

• Enter the loan amount, term, annual interest rate, and optional fees
• See monthly payments, total interest, total repayment, and real APR
• Review a month-by-month payment schedule
• Include upfront, back-end, or monthly fees in your calculations

COMPARE REPAYMENT METHODS

Compare four common repayment structures:

• Equal Principal Payment
• Equal Installment Payment
• Interest-Only Loan
• Fixed Payment Loan

See how each method affects your monthly payment, total interest, and overall repayment.

SAVE AND COMPARE LOAN OFFERS

Save different loan plans and compare them side by side. Quickly identify which option has the lower estimated total cost.

PLAN FOR RATE CHANGES AND EARLY REPAYMENT

Premium tools let you:

• Simulate changes to your interest rate
• Estimate savings from early repayment
• Include prepayment fees in your analysis
• Explore a repayment strategy based on the details you enter
• Use the app without ads

CONVERT AND LEARN

• Convert between daily, monthly, and annual interest rates
• Learn how different repayment methods work
• Review formulas, advantages, and disadvantages

PRIVATE BY DESIGN

Your saved loan details stay on your device.

PREMIUM ACCESS

Choose a monthly or annual auto-renewable subscription, or unlock lifetime access with a one-time purchase.

Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. You can manage or cancel subscriptions in your Apple Account settings.

Privacy Policy:
https://realloans.top/privacy.html

Terms of Service:
https://realloans.top/terms.html

DISCLAIMER

Results are estimates provided for informational purposes only. Loan Interest Guide does not provide loans, lending services, financial advice, or guarantees of loan approval. Always confirm rates, fees, and repayment terms with your lender.

## Key features

- Interest calculation methods guide
- Precise loan interest calculator
- APR to monthly interest rate conversion
- Best loan plan finder
- Rate and prepayment simulators
- Ad-free experience (premium)

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Loan Interest Advanced | $0.99 | per month |
| Loan Interest Plus | $3.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Loan Strategy Tool Pro | $3.99 | one-time |
| Loan Insights: Lifetime | $5.99 | one-time |


## Recent user reviews (10 of 18)

All indexed reviews: https://appshunter.io/ios/app/loan-interest-guide/id6451242354/reviews.md

### 5/5 — Good

*2025-01-06, version 1.2.7*

Nice

### 5/5 — Polk

*2024-11-19, version 1.2.7*

Ok

### 5/5 — Ok

*2024-10-13, version 1.2.4*

Ok

### 5/5 — allyza pangilinan

*2024-08-21, version 1.2.1*

good

### 5/5 — Pinjam dana guna pendidikan

*2024-07-22, version 1.2.1*

Bantu untuk biaya pendidikan

### 5/5 — Money loan

*2024-07-04*

Very good

**Developer response:** Thanks! Your affirmation will make us better

### 1/5 — Ini kuga penipu

*2024-06-08, version 1.2.1*

Aplikasi miskin aplikasi pencuri data

### 4/5 — Ok

*2024-05-20, version 1.2.1*

Mntap

### 4/5 — Goof

*2024-04-24*

Good way to get cash

### 5/5 — OK

*2024-04-14, version 1.2.0*

OK tốt

## Frequently asked questions about Loan Interest Guide

### What is Loan Interest Guide?

Loan Interest Guide is a finance app designed to help users understand the true cost of their loans. It provides tools to calculate interest, compare repayment strategies, and demystify loan terms.

### How does Loan Interest Guide help users save money?

By accurately calculating interest and allowing users to compare different repayment scenarios, the app helps identify hidden costs and find the most cost-effective loan plans, potentially saving users significant amounts over time.

### What are the premium features in Loan Interest Guide?

Premium features, available via subscription, include a Best Loan Plan Finder, Rate & Prepayment Simulators to model financial changes, and an ad-free experience for uninterrupted planning.

### Does Loan Interest Guide offer loans?

No, Loan Interest Guide does not provide loans or financial services. Its purpose is to offer information and tools to support users in making better borrowing decisions.

### How can I manage my subscription for Loan Interest Guide?

Subscriptions auto-renew unless canceled at least 24 hours before the end of the current period. You can manage your subscription settings within your account settings in the app.

### What devices is Loan Interest Guide available on?

Loan Interest Guide is available on iPhone and iPad devices.

### Does Loan Interest Guide have ads?

Yes, the free version of Loan Interest Guide contains advertisements. An ad-free experience is available as a premium feature through a subscription.

### How often is Loan Interest Guide updated?

The latest version of Loan Interest Guide is 1.3.1, last updated on February 28, 2026. This indicates a recent update, suggesting ongoing development and support.

## Version history (last 5 releases)

### 1.4.0 — 2026-08-26

- Refreshed design for a clearer experience
- Save and compare loan plans
- Improved loan cost insights and translations
- Bug fixes and performance improvements

### 1.3.1 — 2026-02-28

Added a new Featured App Picks section in the side menu.

### 1.3.0 — 2026-01-27

We rebuilt the app with a native iOS codebase, making the UI smoother and more responsive.
We also fixed minor bugs and improved overall stability.

### 1.2.9 — 2025-07-24

Optimized app metadata

### 1.2.8 — 2025-07-14

Brand new app name and logo — a fresh look to better reflect our mission!
Minor bug fixes and performance improvements for a smoother experience.

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All apps by 鲁 黄: https://appshunter.io/developer/1696562503

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*