Interest rate
The rate generally describes interest charged on the principal under the product terms.
APR
APR may incorporate certain fees or standardized assumptions so borrowers can compare costs, but exactly what it includes depends on applicable law/product.
Do not compare mismatched figures
A monthly rate, annual rate and APR are not interchangeable.
Use official disclosures
For a real loan decision, rely on the lender's required disclosure and the definitions used in your country.
Educational information only. Use current product terms and the rules that apply in your country. For decisions with significant financial consequences, consider an appropriately qualified professional.