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How to Budget for a New Range or Oven

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How to Budget for a New Range or Oven

Get your kitchen ready for Memorial Day sales and spread the cost without paying interest.

VoAtlas editorial Updated · 3 min read
Typical cost $1,600 before anything else
Across the 0% window $88.89/mo 18 months, no interest

How we got that: $1,600 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

A new range changes how your kitchen feels day to day, trading uneven heating and broken knobs for burners that actually simmer and an oven that holds a true temperature. Installation usually takes just a couple of hours once the unit arrives, but you have to measure twice and check your gas line or electrical hookup before you buy anything.

May is the sweet spot for appliance shopping because Memorial Day sales bring some of the deepest markdowns of the year. Before you pull the trigger on a model, get at least two installation quotes from local handypersons or contractors so you know what the total swap is going to cost you.

That 18-month window is a hard deadline, not free money, so make sure you set up automatic payments so the balance is gone before the promo ends. If you leave any of the $1600 on the card when those 18 months are up, you will get hit with interest on the whole original amount.

The steps

  1. 01

    Pick your model early

    Decide if you want gas, electric, or dual fuel before the holiday sales hit. Measure your cutout space down to the fraction of an inch so you do not get stuck with a unit that does not fit.

  2. 02

    Get multiple installation quotes

    Call at least two local pros to see what they charge to haul away the old unit and hook up the new one. Appliance delivery teams often charge extra for complex gas or 240V electrical setups.

  3. 03

    Time it for Memorial Day

    Wait for the holiday weekend promotions to lock in the lowest price on the range you picked. Retailers slash prices on major kitchen appliances during this window.

  4. 04

    Set up your payment plan

    If you are using the Citi Simplicity® Credit Card, you get 0% for 18 months on purchases and balance transfers from date of account opening. Spreading a $1600 price tag across that window means paying $88.89 per month.

  5. 05

    Schedule delivery and haul-away

    Make sure the delivery crew takes the old range with them and inspects the new one for dents before they leave. Clear a wide path from your front door to the kitchen to keep things moving fast.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

Are Memorial Day appliance sales actually good?

Yes, Memorial Day is one of the major holidays when retailers drop prices on large kitchen appliances. You will usually see better deals then than at almost any other time of year.

Do I need a special electrical outlet for a new range?

Electric ranges usually require a 240-volt outlet, while gas ranges use a standard 120-volt outlet plus a gas line. Check your current setup before buying so you do not have to pay an electrician for an emergency upgrade.

Should I pay for extended appliance warranties?

Most repair techs will tell you that extended warranties are overpriced and rarely cover what actually breaks. You are usually better off putting that cash into your repair fund.

What happens if I miss a monthly payment on my promo card?

Missing a payment can break the 0% promotion and trigger penalty fees or a high default interest rate. Keep your payments on autopiloted safety so you never accidentally trigger the penalty.