Cost of credit
See the real price of buying on credit — the monthly payment and total interest.
The purchase
Enter what you’re buying, the rate, and how long you’ll take to pay it off.
How this is calculated
Financing a purchase is a regular fixed-rate loan. The monthly payment is the amount that clears the balance exactly over the term, with interest charged each month at APR ÷ 12.
Total you’ll pay is that payment times the number of months; the part above the price is interest— the cost of borrowing. A longer term lowers the monthly payment but raises the total interest. A 0% offer means you pay exactly the price.
Monthly payment
$2,537.81 paid in total over 24 months.
Interest paid
on top of the price
Interest vs. price
of the sticker price
Every dollar paid
is interest
Runs entirely in your browser — nothing you enter is sent anywhere.