Run the same offer through a generic amortizing-loan calc, pull the full schedule, then normalize the APR so two offers are comparable.
Compute payoff totals for a candidate loan offer.
loan({"principal": 100, "annual_rate_pct": 0.07})Generate the full principal/interest schedule for that offer.
amortization_schedule({"principal": 100, "annual_rate": 0.07})Convert the offer's nominal APR into an effective rate for comparison.
effective_rate({"mode": "to_apy", "apr": 0.07, "apy": 100})