MAPR (Military Annual Percentage Rate)
Also known as: Military Annual Percentage Rate
A specialized APR calculation under the federal Military Lending Act that includes interest, fees, credit insurance premiums, and certain ancillary charges. The MLA caps MAPR at 36% for active-duty servicemembers and their dependents.
Full definition
The Military Annual Percentage Rate (MAPR), defined in the Military Lending Act (32 CFR Part 232), is a broader calculation than standard TILA APR. MAPR includes interest, all credit-related fees (origination, application, service charges), credit-insurance premiums whether voluntary or mandatory, fees for ancillary products sold with the loan, and certain other charges. The federal MLA caps MAPR at 36% on consumer loans extended to covered borrowers (active-duty servicemembers, their spouses, and dependents). Loans exceeding 36% MAPR are void and any payments must be refunded. Lender verification of covered status is done through the DoD Manpower Data Center, which lenders query against the applicant's SSN. Because of MAPR rules, most online personal-loan lenders cap pricing at 35.99% across the board to avoid civilian-vs-military compliance bifurcation.
- Written by
- Get Advance Loan Editorial Team
- Reviewed by
- Compliance Review
- Published
- January 15, 2026
- Last reviewed
- May 22, 2026
- TILA (Truth in Lending Act)The federal law that requires lenders to disclose loan terms, APR, fees, and the schedule of payments before a borrower signs.
- FCRA (Fair Credit Reporting Act)The federal law that governs credit reports and credit-bureau practices, including your right to a free annual report and to dispute errors.
- ECOA (Equal Credit Opportunity Act)The federal law that prohibits lender discrimination based on race, religion, sex, marital status, age, national origin, or receipt of public assistance.
- MLA (Military Lending Act)Federal law capping consumer-credit APRs to active-duty service members and their dependents at 36% (the Military APR, or MAPR).
- CFPB (Consumer Financial Protection Bureau)The federal agency that supervises and enforces consumer financial-protection laws across most U.S. lenders.
- TCPA (Telephone Consumer Protection Act)The federal law governing telemarketing calls and texts, including the prior-express-written-consent requirement for autodialed marketing.
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