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Where: P = Principal Amount. I = Interest Amount. r = Rate of Interest per year in decimal; r = R/100. R = Rate of Interest per year as a percent; R = r * 100. t = Time Periods involved. Notes: Base formula, written as I = Prt or I = P × r × t where rate r and time t should be in the same time units such as ...Putting these values into the equation: 286.84 = 15, 000i(1 + i)60 (1 + i)60 − 1 286.84 = 15, 000 i ( 1 + i) 60 ( 1 + i) 60 − 1. From here you would need to solve the equation for i and calculate i. Multiplying i x 12 gives you the APR = 5.547%. You can use the Loan Calculator to calculate the APR = 5.547%.Get up TO $500 to COVER THAT... Life happens, and sometimes you just need a quick safety net—that’s what Varo Advance is for.¹ Once you bank with us and qualify, we’ll spot you up to $250. ² Then you can work your way up to $500 over time– one of the highest amounts around. ³. Get Varo. Borrow what you need. 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