{"id":23169,"date":"2026-01-29T23:16:54","date_gmt":"2026-01-29T23:16:54","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=23169"},"modified":"2026-01-29T23:16:55","modified_gmt":"2026-01-29T23:16:55","slug":"apr-vs-interest-rate-whats-the-difference","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=23169","title":{"rendered":"APR vs. Interest Rate: What&#8217;s The Difference?"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            ljubaphoto\/Getty Images: Illustration by Issiah Davis\/Bankrate\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_8a94f751203399842d1361e32f063dcf\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The interest rate on a mortgage indicates how much interest you\u2019ll pay for the amount you borrow. The annual percentage rate (APR) is the interest rate plus additional fees and any points.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            When comparing loan offers, it\u2019s best to compare APRs to get a fuller picture of the true cost of the financing.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Understanding the distinction between a mortgage loan\u2019s interest rate and annual percentage rate (APR) can make you a more savvy mortgage shopper \u2014 and potentially save you some money along the way.<\/p>\n<p>Expressed as a percentage, both the annual percentage rate (APR) and interest rate on a mortgage provide benchmarks for you to compare different loans and their costs. The key difference is that the interest rate is always going to be lower than the APR.<\/p>\n<h2 id=\"difference\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Difference between interest rate and APR\" data-outcome=\"\">Difference between interest rate and APR<\/h2>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table is-style-stripes has-fixed-layout wrapped\">\n<tbody>\n<tr>\n<td><strong>Interest rate<\/strong><\/td>\n<td>The price you pay to borrow money for a mortgage, expressed in the form of a percentage of the loan principal. The interest rate doesn\u2019t reflect any other costs or fees paid in association with the loan. Generally, interest rates are affected by the Federal Reserve\u2019s rate policies.<\/td>\n<\/tr>\n<tr>\n<td><strong>APR<\/strong><\/td>\n<td>A percentage that indicates the total yearly cost of your loan; it includes your interest rate and fees, such as origination fees. The APR more accurately reflects the overall cost of a mortgage.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"apr\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What is an APR?\" data-outcome=\"\">What is an APR?<\/h2>\n<p>APR stands for annual percentage rate. It represents the cost of your mortgage and includes the interest rate and fees, such as:<\/p>\n<h2 id=\"apr-calculated\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How APR is calculated\" data-outcome=\"\">How APR is calculated<\/h2>\n<p>Determining the APR for a mortgage involves three key figures: the interest rate, fees and any points you choose to pay up front.<\/p>\n<p>Consider a 30-year fixed-rate mortgage for $300,000 at 7% interest, with a 1% origination fee ($3,000) and one mortgage point (another $3,000) for a total of $6,000 in fees. That extra cost makes the APR 7.197%.<\/p>\n<p>Bankrate\u2019s APR calculator can give you a sense of how fees and points will affect your overall loan cost.<\/p>\n<h2 id=\"interest-rate\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What is an interest rate?\" data-outcome=\"\">What is an interest rate?<\/h2>\n<p>The interest rate on a mortgage is a reflection of the cost you\u2019ll pay to finance the home. Let\u2019s say you borrow a $340,000, 30-year fixed-rate mortgage with an interest rate of 7%. At that rate over three decades, you\u2019d pay $474,330 in interest, on top of the $340,000 of the loan itself.<\/p>\n<p>While this sounds like a lot, in this example, you\u2019ll pay the same mortgage payment each month, with a portion of each payment going to the $340,000 you borrowed \u2014 the loan principal \u2014 and another portion going to interest. At the beginning of your loan, you\u2019ll pay less toward the principal and more toward interest. As your mortgage amortizes, your payments gradually start to cover more principal and less interest, although the rate itself doesn\u2019t change.<\/p>\n<h2 id=\"rates-calculated\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How mortgage interest rates are calculated\" data-outcome=\"\">How mortgage interest rates are calculated<\/h2>\n<p>Interest rates are partially determined by factors that are completely out of your control, such as inflation, the state of the broader economy and the lender you choose to work with. Because of these factors, mortgage rates are constantly changing. Every time rates move up or down, it impacts how much home you can afford.<\/p>\n<p>Your specific mortgage rate is based on your credit history and score, your debt-to-income (DTI) ratio, your down payment size and other financial data. In general, the higher your credit score, the lower your interest rate will be.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>The Truth in Lending Act (TILA) requires mortgage lenders to disclose a loan\u2019s APR, as well as its interest rate, to borrowers. This information is included in the loan estimate and the closing disclosure, which includes the loan\u2019s final costs and terms. However, lenders might not include all fees in the APR; they\u2019re not required to include certain costs such as credit reporting and appraisal fees. Ask your lender what\u2019s included in the APR when comparing offers.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"lower-rate\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to get a lower interest rate\" data-outcome=\"\">How to get a lower interest rate<\/h2>\n<p>Getting a lower interest rate creates short-term savings by lowering your monthly payment, but you\u2019ll also save money over the life of the loan. Here are some tips that can help you get a lower interest rate:<\/p>\n<h2 id=\"examples\" data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Mortgage interest rate vs. APR examples\" data-outcome=\"\">Mortgage interest rate vs. APR examples<\/h2>\n<p>Here are examples comparing APR vs. interest rate for a $300,000, 30-year fixed-rate mortgage:<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table is-style-stripes wrapped\">\n<tbody>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Interest rate<\/strong><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">6.8%<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">6.95%<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">7%<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Origination fee<\/strong><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">1% ($3,000)<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">1% ($3,000)<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">1% ($3,000)<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Discount points<\/strong><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">2 ($6,000)<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">1 ($3,000)<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">0<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Points and fees<\/strong><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$9,000<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$6,000<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$3,000<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>APR<\/strong><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">7.092%<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">7.147%<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">7.099%<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Monthly payment (principal and interest)<\/strong><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$1,956<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$1,986<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$1,996<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Total interest<\/strong><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$404,075<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$414,907<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$418,524<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"interest-rate-vs-apr\" data-position=\"8\" data-beam-element-viewed=\"\" data-id=\"br-h2-8-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Tips to compare interest rate vs. APR\" data-outcome=\"\">Tips to compare interest rate vs. APR<\/h2>\n<ul class=\"wp-block-list\">\n<li>\n<strong>APR gives you a better idea of the real cost of the loan.<\/strong> Because the APR includes fees, you\u2019ll have a better idea of how much you\u2019ll actually pay when you compare APRs.<\/li>\n<li>\n<strong>Shop around for loan offers before choosing a lender.<\/strong> Some lenders might advertise a low interest rate, but charge higher upfront fees. Others might charge more interest, but don\u2019t impose fees. Taking the time to review mortgage lenders and compare offers could save you money over the life of your mortgage.<\/li>\n<li>\n<strong>Be careful comparing<\/strong> <strong>fixed mortgage and ARM rates<\/strong><strong>.<\/strong> The rate quoted for an ARM (adjustable rate mortgage) is the introductory rate, which is only fixed for a set period. After that period, the rate could go up, and so will your payment. Fixed-rate mortgages keep the same rate, so your principal and interest payment will stay the same every month.<\/li>\n<li>\n<strong>The APR on an ARM doesn\u2019t reflect the maximum interest rate for the loan.<\/strong> After the introductory rate ends, your rate could adjust up significantly, depending on the market and the rate caps on your ARM.<\/li>\n<\/ul>\n<h2 id=\"faq\" data-position=\"9\" data-beam-element-viewed=\"\" data-id=\"br-h2-9-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"FAQ\" data-outcome=\"\">FAQ<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-what-is-a-good-interest-rate', 'heading-what-is-a-good-interest-rate']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-is-a-good-interest-rate')\" :aria-controls=\"$id('panel-what-is-a-good-interest-rate')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is a good interest rate?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-is-a-good-interest-rate')\" :aria-labelledby=\"$id('heading-what-is-a-good-interest-rate')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            A good interest rate might be any rate that\u2019s below the current average for your area and that\u2019s similar to what borrowers like you, in terms of credit and finances, might receive. For you, a good rate might simply mean that it\u2019s affordable based on your budget.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-what-is-a-good-apr', 'heading-what-is-a-good-apr']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-is-a-good-apr')\" :aria-controls=\"$id('panel-what-is-a-good-apr')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is a good APR?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-is-a-good-apr')\" :aria-labelledby=\"$id('heading-what-is-a-good-apr')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Like a good interest rate, a good APR might be one that has a below-average interest rate and minimal fees.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-can-the-apr-change-after-i-lock-in-my-interest-rate', 'heading-can-the-apr-change-after-i-lock-in-my-interest-rate']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-can-the-apr-change-after-i-lock-in-my-interest-rate')\" :aria-controls=\"$id('panel-can-the-apr-change-after-i-lock-in-my-interest-rate')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can the APR change after I lock in my interest rate?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-can-the-apr-change-after-i-lock-in-my-interest-rate')\" :aria-labelledby=\"$id('heading-can-the-apr-change-after-i-lock-in-my-interest-rate')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            If you lock your interest rate, that rate won\u2019t change during the lock period, typically 30 to 60 days, unless the circumstances of your loan application change. Many mortgage lenders allow you to extend the lock beyond this period, although, some charge a fee. The final APR, which includes some fees, might change. It\u2019s important to compare your loan estimate with the closing disclosure to note any change in costs.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-can-i-lower-my-apr', 'heading-how-can-i-lower-my-apr']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-can-i-lower-my-apr')\" :aria-controls=\"$id('panel-how-can-i-lower-my-apr')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How can I lower my APR?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-can-i-lower-my-apr')\" :aria-labelledby=\"$id('heading-how-can-i-lower-my-apr')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Since your APR reflects the fees you\u2019ll pay a lender, the best way to score a lower one is to find a lender that charges fewer \u2014 or better yet, no \u2014 fees. Consider the other costs bundled into that APR, too, such as private mortgage insurance. If you can afford to make a 20% down payment, you\u2019ll be able to avoid PMI premiums and lower your APR.\n        <\/p>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"0aPtH56awD\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up Icon<\/default:title><default:path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-no=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-no\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"No\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Down Icon<\/default:title><default:path d=\"M19.26 2.175c.936 0 1.454 0 1.949.247.452.226.818.592 1.044 1.043.247.495.248 1.012.248 1.948v7.678c0 .936 0 1.453-.248 1.948a2.333 2.333 0 0 1-1.044 1.042c-.495.248-1.013.248-1.95.248h-.16c-.937 0-1.454 0-1.95-.248a2.33 2.33 0 0 1-.885-.777c-.637.596-1.79 2.176-3.314 5.155-.183.365-.312.602-.538.828a1.924 1.924 0 0 1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/mortgages\/apr-and-interest-rate\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>ljubaphoto\/Getty Images: Illustration by Issiah Davis\/Bankrate Key takeaways The interest rate on a mortgage indicates how much interest you\u2019ll pay for the amount you borrow. The annual percentage rate (APR) is the interest rate plus additional fees and any points. When comparing loan offers, it\u2019s best to compare APRs to get a fuller picture of<\/p>\n","protected":false},"author":1,"featured_media":23170,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23169","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>APR vs. Interest Rate: What&#039;s The Difference? | BudgetADirect<\/title>\n<meta name=\"description\" content=\"ljubaphoto\/Getty Images: Illustration by Issiah Davis\/Bankrate Key takeaways The interest rate on a mortgage indicates how much interest you\u2019ll pay for\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/budgetadirect.com\/?p=23169\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"APR vs. Interest Rate: What&#039;s The Difference? | BudgetADirect\" \/>\n<meta property=\"og:description\" content=\"ljubaphoto\/Getty Images: Illustration by Issiah Davis\/Bankrate Key takeaways The interest rate on a mortgage indicates how much interest you\u2019ll pay for\" \/>\n<meta property=\"og:url\" content=\"https:\/\/budgetadirect.com\/?p=23169\" \/>\n<meta property=\"og:site_name\" content=\"BudgetADirect\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-29T23:16:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-29T23:16:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/1769728614_Homes_APR-vs.-interest-rate-Whats-the-difference_.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"News Room\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"News Room\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/budgetadirect.com\/?p=23169#article\",\"isPartOf\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=23169\"},\"author\":{\"name\":\"News Room\",\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/person\/60f83002f7bcaf7b883198f8da222a50\"},\"headline\":\"APR vs. Interest Rate: What&#8217;s The Difference?\",\"datePublished\":\"2026-01-29T23:16:54+00:00\",\"dateModified\":\"2026-01-29T23:16:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=23169\"},\"wordCount\":1250,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/budgetadirect.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=23169#primaryimage\"},\"thumbnailUrl\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/1769728614_Homes_APR-vs.-interest-rate-Whats-the-difference_.jpg\",\"articleSection\":[\"Homes\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/budgetadirect.com\/?p=23169#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/budgetadirect.com\/?p=23169\",\"url\":\"https:\/\/budgetadirect.com\/?p=23169\",\"name\":\"APR vs. Interest Rate: What's The Difference? | BudgetADirect\",\"isPartOf\":{\"@id\":\"https:\/\/budgetadirect.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=23169#primaryimage\"},\"image\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=23169#primaryimage\"},\"thumbnailUrl\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/1769728614_Homes_APR-vs.-interest-rate-Whats-the-difference_.jpg\",\"datePublished\":\"2026-01-29T23:16:54+00:00\",\"dateModified\":\"2026-01-29T23:16:55+00:00\",\"description\":\"ljubaphoto\/Getty Images: Illustration by Issiah Davis\/Bankrate Key takeaways The interest rate on a mortgage indicates how much interest you\u2019ll pay for\",\"breadcrumb\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=23169#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/budgetadirect.com\/?p=23169\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/budgetadirect.com\/?p=23169#primaryimage\",\"url\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/1769728614_Homes_APR-vs.-interest-rate-Whats-the-difference_.jpg\",\"contentUrl\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/1769728614_Homes_APR-vs.-interest-rate-Whats-the-difference_.jpg\",\"width\":1280,\"height\":720},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/budgetadirect.com\/?p=23169#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/budgetadirect.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"APR vs. Interest Rate: What&#8217;s The Difference?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/budgetadirect.com\/#website\",\"url\":\"https:\/\/budgetadirect.com\/\",\"name\":\"BudgetADirect\",\"description\":\"Latest Personal Finance News and Updates\",\"publisher\":{\"@id\":\"https:\/\/budgetadirect.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/budgetadirect.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/budgetadirect.com\/#organization\",\"name\":\"BudgetADirect\",\"url\":\"https:\/\/budgetadirect.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2024\/03\/d-icon.png\",\"contentUrl\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2024\/03\/d-icon.png\",\"width\":512,\"height\":512,\"caption\":\"BudgetADirect\"},\"image\":{\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/person\/60f83002f7bcaf7b883198f8da222a50\",\"name\":\"News Room\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1afc2a88d343f74495db9a6a6ab9121bdc256a1100a11173bc6d587e4613fb13?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1afc2a88d343f74495db9a6a6ab9121bdc256a1100a11173bc6d587e4613fb13?s=96&d=mm&r=g\",\"caption\":\"News Room\"},\"sameAs\":[\"https:\/\/budgetadirect.com\"],\"url\":\"https:\/\/budgetadirect.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"APR vs. Interest Rate: What's The Difference? | BudgetADirect","description":"ljubaphoto\/Getty Images: Illustration by Issiah Davis\/Bankrate Key takeaways The interest rate on a mortgage indicates how much interest you\u2019ll pay for","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/budgetadirect.com\/?p=23169","og_locale":"en_US","og_type":"article","og_title":"APR vs. Interest Rate: What's The Difference? | BudgetADirect","og_description":"ljubaphoto\/Getty Images: Illustration by Issiah Davis\/Bankrate Key takeaways The interest rate on a mortgage indicates how much interest you\u2019ll pay for","og_url":"https:\/\/budgetadirect.com\/?p=23169","og_site_name":"BudgetADirect","article_published_time":"2026-01-29T23:16:54+00:00","article_modified_time":"2026-01-29T23:16:55+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/1769728614_Homes_APR-vs.-interest-rate-Whats-the-difference_.jpg","type":"image\/jpeg"}],"author":"News Room","twitter_card":"summary_large_image","twitter_misc":{"Written by":"News Room","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/budgetadirect.com\/?p=23169#article","isPartOf":{"@id":"https:\/\/budgetadirect.com\/?p=23169"},"author":{"name":"News Room","@id":"https:\/\/budgetadirect.com\/#\/schema\/person\/60f83002f7bcaf7b883198f8da222a50"},"headline":"APR vs. Interest Rate: What&#8217;s The Difference?","datePublished":"2026-01-29T23:16:54+00:00","dateModified":"2026-01-29T23:16:55+00:00","mainEntityOfPage":{"@id":"https:\/\/budgetadirect.com\/?p=23169"},"wordCount":1250,"commentCount":0,"publisher":{"@id":"https:\/\/budgetadirect.com\/#organization"},"image":{"@id":"https:\/\/budgetadirect.com\/?p=23169#primaryimage"},"thumbnailUrl":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/1769728614_Homes_APR-vs.-interest-rate-Whats-the-difference_.jpg","articleSection":["Homes"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/budgetadirect.com\/?p=23169#respond"]}]},{"@type":"WebPage","@id":"https:\/\/budgetadirect.com\/?p=23169","url":"https:\/\/budgetadirect.com\/?p=23169","name":"APR vs. Interest Rate: What's The Difference? | BudgetADirect","isPartOf":{"@id":"https:\/\/budgetadirect.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/budgetadirect.com\/?p=23169#primaryimage"},"image":{"@id":"https:\/\/budgetadirect.com\/?p=23169#primaryimage"},"thumbnailUrl":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/1769728614_Homes_APR-vs.-interest-rate-Whats-the-difference_.jpg","datePublished":"2026-01-29T23:16:54+00:00","dateModified":"2026-01-29T23:16:55+00:00","description":"ljubaphoto\/Getty Images: Illustration by Issiah Davis\/Bankrate Key takeaways The interest rate on a mortgage indicates how much interest you\u2019ll pay for","breadcrumb":{"@id":"https:\/\/budgetadirect.com\/?p=23169#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/budgetadirect.com\/?p=23169"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/budgetadirect.com\/?p=23169#primaryimage","url":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/1769728614_Homes_APR-vs.-interest-rate-Whats-the-difference_.jpg","contentUrl":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/1769728614_Homes_APR-vs.-interest-rate-Whats-the-difference_.jpg","width":1280,"height":720},{"@type":"BreadcrumbList","@id":"https:\/\/budgetadirect.com\/?p=23169#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/budgetadirect.com\/"},{"@type":"ListItem","position":2,"name":"APR vs. Interest Rate: What&#8217;s The Difference?"}]},{"@type":"WebSite","@id":"https:\/\/budgetadirect.com\/#website","url":"https:\/\/budgetadirect.com\/","name":"BudgetADirect","description":"Latest Personal Finance News and Updates","publisher":{"@id":"https:\/\/budgetadirect.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/budgetadirect.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/budgetadirect.com\/#organization","name":"BudgetADirect","url":"https:\/\/budgetadirect.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/budgetadirect.com\/#\/schema\/logo\/image\/","url":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2024\/03\/d-icon.png","contentUrl":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2024\/03\/d-icon.png","width":512,"height":512,"caption":"BudgetADirect"},"image":{"@id":"https:\/\/budgetadirect.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/budgetadirect.com\/#\/schema\/person\/60f83002f7bcaf7b883198f8da222a50","name":"News Room","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/budgetadirect.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1afc2a88d343f74495db9a6a6ab9121bdc256a1100a11173bc6d587e4613fb13?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1afc2a88d343f74495db9a6a6ab9121bdc256a1100a11173bc6d587e4613fb13?s=96&d=mm&r=g","caption":"News Room"},"sameAs":["https:\/\/budgetadirect.com"],"url":"https:\/\/budgetadirect.com\/?author=1"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/posts\/23169","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23169"}],"version-history":[{"count":1,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/posts\/23169\/revisions"}],"predecessor-version":[{"id":23171,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/posts\/23169\/revisions\/23171"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/media\/23170"}],"wp:attachment":[{"href":"https:\/\/budgetadirect.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}