Money Factor: Lease & Loan
True APR for any auto deal
Free · Designed for iPad. Not verified for macOS.
Type in your dealer's lease or loan numbers. See the real APR, money factor, and true cost per mile in seconds.
Decode the money factor your dealer hopes you'll skip. Money Factor turns the lease or loan numbers your dealer quotes into the one number that matters: your real APR.
Type in the price, monthly payment, residual, and term — and instantly see the actual interest rate behind the deal, plus your true cost per mile over the lease or loan period.
WHAT IT DOES
• Reverse-engineers the real APR from any lease quote (money factor decoded automatically)
• Computes APR on auto loans the same way — including when the dealer marked it up
• Cost per mile over the term so you can compare apples to apples
• One tap switches between Lease and Loan
• Save and compare offers from different dealers, side by side
• Share a clean breakdown by text, email, or AirDrop
WHY IT EXISTS
Dealers quote leases in "money factor" because consumers don't recognize it — a money factor of 0.00295 sounds tiny but it's a 7.08% APR. They quote loans in monthly payments because that's easier to swallow than the rate they marked up. Both tactics work because doing the math at the desk is hard. This app does it in under a second.
ONE-TIME PURCHASE
Buy it once, use it forever. No subscriptions, no ads, no tracking. Save thousands on your next deal for less than the price of a coffee.
PRIVACY FIRST
Every calculation happens on your device. The app never uploads your numbers, never tracks you, never sees your dealer info. Saved offers live only in your phone's local storage.
WORKS WITH
• Lease quotes from any dealer
• Auto loans, including marked-up dealer financing
• 24 / 36 / 48 / 60 / 72 month terms
• Any vehicle make or model
Privacy Policy: https://sundai.us/leaseapr/privacy/
Terms of Use: https://sundai.us/leaseapr/terms/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, Christian Okeke, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Christian Okeke
- Size
- 3.2 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Okeke LLC