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 sec•National avg APR: 11.5%•Energy & Cost

11.5%

National avg personal loan APR

Reference rate

P×r(1+r)ⁿ

Standard amortization

÷ ((1+r)ⁿ − 1)

Terms compared

12 / 24 / 36 / 48 / 60 mo

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.

Refrigerator price

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

Term	Monthly @ 11.5%	Total interest	Monthly @ 0% promo	Total 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.

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.
02
0% APR side-by-side
When APR = 0, monthly = P ÷ months. Equal payments, no interest, total = principal.
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.