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Our MAPR calculations are free try with limited inputs. For full access you will need to subscribe. The cost is $20 per month, and you can cancel at anytime. Your subscription will provide you with unlimited use of the MAPR calculators and their reports. Please use the PayPal link below to complete your subscription:

Quickest way to get an MAPR

Quickest way to get a MAPR with Statement of MAPR if you already have a TIL statement.

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MAPR Calculator for Closed-End LoansUse this calculator to find the Military Annual Percentage Rate (MAPR) on a closed-end loan where you don't know the monthly payment.
MAPR Calculator for Closed-End Loans with Known Monthly PaymentUse this calculator to determine a Miltary Annual Percentage Rate (MAPR) for a closed-end loan where you know the fixed monthly payment.
MAPR Calculator for GAP InsuranceUse this calculator to determine a MAPR for loans with GAP insurance and to print a Statement of MAPR .
MAPR Calculator for Open-End LoansUse this calculator to find the Military Annual Percentage Rate (MAPR) on a open-end loan such as a credit card or revolving credit.
MAPR Calculator with Statement of MAPRUse this calculator to determine a MAPR and to print a Statement of MAPR.
MAPR Calculator with Statement of MAPR (Short Version)Quickest and easiest way to determine a MAPR and to print a Statement of MAPR.

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percent-age rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). These fees can include:

Credit insurance
Fee for credit insurance.
Debt cancellation
Fee for a debt cancellation contract.
Debt suspension
Fee for a debt suspension agreement.
Credit-related ancillary product sold
Fee for a credit-related ancillary product sold in connection with the credit transaction.
Plan participation fee
Any fee imposed for participation in any plan. The MLA rule excludes an application fee charged by a Federal Credit Union, or an insured depositary institution, when making a short-term, small amount closed-end loan that is subject to and made in accordance with a Federal law. One application fee per rolling 12 month period is not included in the MAPR.
Other fees
Any other fees that should be included in the MAPR calculation. These fees can vary by lender, but at a minimum usually includes prepaid interest.

The Rule takes effect on October 1, 2015. Compliance will be required by October 3, 2016. There is a two-year exemption for credit card accounts until October 3, 2017.

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