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Refrigerator Payment Estimator

A quick monthly payment for any fridge price.

Enter the price; we run the standard amortization formula at the national-average personal-loan APR (11.5%) across all common terms — plus a side-by-side 0% APR view.

⏱ ~15 secNational avg APR: 11.5%Energy & Cost
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11.5%
National avg personal loan APR
Reference rate
P×r(1+r)ⁿ
Standard amortization
÷ ((1+r)ⁿ − 1)
5
Terms compared
12 / 24 / 36 / 48 / 60 mo
0%
Promo APR side-by-side
Compare offers
STEP 01

One number.
Five terms.

We run the math at the national-average APR and at 0% — you decide.

$
Include tax + delivery if financed
Updates live as you type
60-month payment @ 11.5%
Updated live
$39.59/mo
Lowest monthly payment shown — total interest at this term is $575. See full term comparison below.
Principal
$1,800
Reference APR
11.5%
All terms · standard APR vs 0% promo
TermMonthly @ 11.5%Total interestMonthly @ 0% promoTotal cost @ 0%
12 mo$159.51/mo$114.09$150.00/mo$1,800.00
24 mo$84.31/mo$223.50$75.00/mo$1,800.00
36 mo$59.36/mo$336.85$50.00/mo$1,800.00
48 mo$46.96/mo$454.09$37.50/mo$1,800.00
60 mo$39.59/mo$575.20$30.00/mo$1,800.00
Under the hood

Standard amortization, two ways.

We compute the same payment at the national-average personal-loan APR and again at 0% APR so you can compare a promo offer directly against a typical loan.

  1. 01

    Standard amortization at national-average APR

    monthly = P × r(1+r)ⁿ / ((1+r)ⁿ − 1), with r = 11.5% ÷ 12 and n = months.

  2. 02

    0% APR side-by-side

    When APR = 0, monthly = P ÷ months. Equal payments, no interest, total = principal.

  3. 03

    Total interest = total cost − principal

    We multiply the monthly payment by months and subtract the price to isolate what you actually pay in interest.

Questions

Frequently asked

11.5% is a reasonable reference for the national average personal-loan APR. Your actual rate depends on credit score, lender, and whether you use store financing, a credit card, or a personal loan — get the offer in writing first.
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