This bank offers a personal loan with an APR of only 6.5%.

APR 是 Annual Percentage Rate 的缩写，意思是"年利率"。annual 表示"每年的"，percentage 是"百分比"，rate 是"利率"。APR 指贷款或信用卡等金融产品按年计算的利率，包含利息和手续费等所有费用。