The annual percentage rate or APR is the amount lenders charge borrowers in exchange for originating and servicing their loans. This figure, expressed as a percentage, includes your interest rate, plus any lender fees and can help you determine the overall cost of your loan.    If you have good credit, you could get an APR between 10.73 percent and roughly 18 percent. However, this number may fluctuate based on that particular lender’s eligibility requirements and offerings.