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Your actual payment might vary slightly depending on how your lender calculates interest, any fees that aren't included in the APR, or rounding.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Use these numbers to compare options and understand what you're getting into—not as a substitute for the actual terms in your financing agreement. When you get the real paperwork, compare it to what you calculated here. If something looks significantly different, ask why before you sign.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"And if anything in the agreement is confusing, ask questions. Lenders expect it. 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36:["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-8","children":[["$","h2",null,{"className":"typo-large mb-6 text-mist-950","children":"Frequently Asked Questions"}],["$","div",null,{"className":"space-y-6","children":[["$","div","0",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How is my monthly payment calculated?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Your payment is based on the loan amount, interest rate, and term using a standard amortization formula. The calculator handles the math—you just need to enter your numbers. Each payment includes both principal (paying down what you borrowed) and interest (the cost of borrowing).","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","1",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Does putting more money down always save me money?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Mathematically, yes. Practically, it's more nuanced. Putting an extra $500 down on a $2,000 loan at 10% for 24 months saves you about $50 in interest. That's real savings, but is it worth having $500 less in your bank account? If that $500 is your emergency fund, keeping it might matter more than the $50 you'd save.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","2",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What's the difference between APR and interest rate?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"For most product financing, they're the same thing. APR includes the interest rate plus any fees, stated as an annual rate. Most store financing doesn't have origination fees, so APR and interest rate match. If there are fees, APR will be slightly higher than the base rate—and APR is the number you should use for comparisons.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","3",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Should I choose a shorter or longer loan term?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Shorter terms mean higher monthly payments but less interest overall. Longer terms mean easier monthly payments but more total cost. The right answer is the shortest term where the monthly payment doesn't stress you out. If $150/month feels tight, stretching to 36 months for $95/month might be worth the extra interest for peace of mind.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","4",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How does 0% financing actually work?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"You pay no interest if you pay off the balance within the promotional period. The catch is that many offers use \"deferred interest\"—if any balance remains when the promo ends, you owe interest on the full original amount from day one. This can mean hundreds in surprise charges. True 0% offers (no deferred interest) exist but are rarer. Always ask which type you're getting.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],"$L38","$L39","$L3a","$L3b","$L3c"]}]]}]
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38:["$","div","5",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What credit score do I need for financing?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"It varies. Store credit cards often approve scores as low as 580, but with interest rates around 25-29%. For rates under 15%, you typically need 670+. For the best rates (under 10%), aim for 720 or higher. \"No credit check\" financing exists but usually comes with very high costs—sometimes effectively 30%+ when you factor in fees.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
39:["$","div","6",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I pay off my financing early without penalties?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Usually, yes—most product financing allows early payoff with no penalty. But confirm before signing, because some lenders do charge prepayment fees. Paying early saves you interest since you only pay for the time you actually had the loan. Pay off a 24-month loan in 12 months, and you'll pay roughly half the expected interest.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3a:["$","div","7",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Is financing better than using a credit card?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Depends entirely on the rates. Store financing at 9.99% beats a credit card at 22%. But a credit card with a 0% intro rate for 18 months beats store financing at 14.99%—as long as you pay it off in time. Compare the actual numbers, not the type of credit. And watch out for deferred interest on both.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3b:["$","div","8",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What happens if I miss a payment?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Late payments typically mean a $25-40 fee. After 30 days late, it may be reported to credit bureaus, which can drop your score by 50+ points. Some promotional 0% offers convert to the full interest rate (often 24.99%) after just one missed payment—meaning you'd owe months of retroactive interest. Set up autopay to avoid this entirely.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3c:["$","div","9",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Should I finance or save up and pay cash?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"For needs you can't delay—a broken appliance, necessary equipment—financing at a reasonable rate makes sense. For wants—upgraded furniture, nicer TV, latest gadget—saving up is almost always smarter. You avoid interest entirely, you don't add a monthly payment, and there's something satisfying about buying something outright. The exception: if you have strong savings, qualify for 0% financing, and would rather keep your cash liquid, financing a \"want\" can be reasonable. But be honest with yourself about whether you're making a smart financial move or just rationalizing something you want now.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]