Representative APR is the advertised rate given to at least 51% of successful credit card or loan applicants.
Personal APR is the rate that you are given when you take out a loan or credit card. It can be the same as the representative APR or it can be higher, depending on your eligibility and financial situation. Your lender will usually decide on the rate you’re offered, and it’s based on how closely your credit and financial information match the lender’s criteria.