When it comes to loans or credit agreements, the Annual Percentage Rate (APR) is an important factor to consider. It measures the total cost of borrowing money, including interest and fees, and is expressed as a percentage. However, not all agreements will include an APR. Here are some examples of agreements that would not show an APR:

1. Non-Interest Bearing Loans: If a loan does not charge any interest or fees, there is no need to calculate an APR. For example, if a family member loans you money with no expectation of repayment, there would be no APR involved.

2. Retail Installment Contracts: Retail installment contracts are used when purchasing goods or services on credit. These contracts typically disclose the finance charge, which includes interest and fees, but do not always include an APR. This is because the finance charge can be calculated in different ways, such as using a simple interest rate or a pre-computed finance charge, which may not accurately reflect the true cost of borrowing.

3. Leases: Leases are agreements to rent or use property for a specific period of time. While they may include a finance charge, such as a security deposit or upfront payments, they do not typically disclose an APR. This is because the finance charge is not calculated using an annual rate of interest like a loan.

4. Promissory Notes: A promissory note is a written promise to pay back a loan or debt. While it may include information about interest and fees, it does not always include an APR. This is because the terms of the loan may not fit a traditional annual rate calculation.

In conclusion, not all loan or credit agreements will show an APR. It is important to carefully review the terms and conditions of any agreement to understand the true cost of borrowing and make informed financial decisions.