True cost of installments

effective APR of "0% installments" and "pay in parts" via cash-flow IRR

Parameters

Installment price, UAH

Immediate price, UAH

Payments, months

Payment, UAH/mo

Arrangement fee, UAH

Result

Effective APR

14,60%

monthly ~1,14%

Total paid25 000,00 UAH

Overpay vs immediate price+1 500,00 UAH

"0%" is marketing: the overpay hides in an inflated price or a fee. Compare with the cash/one-payment price, not the storefront sign.

The rate is computed as IRR: the immediate price minus fees is the actual loan, and the payments are its servicing. Monobank/PrivatBank "pay in parts" is truly free if the price is unchanged — check whether the installment price is inflated. Tax note: for a FOP, a customer installment plan is ordinary realization.

À propos de Installment Cost

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