The term PART OF A.P.R. refers to the components of an ANNUAL Percentage RATE (APR). The APR is a measure of the cost of borrowing money, expressed as a yearly RATE. The components of the APR include the interest RATE, which is the RATE charged for borrowing money; the points, which are fees paid to the lender; and the ANNUAL percentage RATE, which is the total cost of borrowing money over the course of a year. The crossword solutions for this term are RATE (4 letters), PCT (3 letters), and ANNUAL (6 letters). RATE refers to the interest RATE, PCT refers to the points, and ANNUAL refers to the ANNUAL percentage RATE.