See your billing statement for your actual equal monthly payment required, which will be rounded to the whole cent. The estimated monthly payment shown on any phone purchase may be rounded up to the next whole dollar or may be shown rounded to the whole cent, but in either event only applies with the use of a Google Store Financing credit card account. Credit card application decisions are made solely by Synchrony Bank. 0% APR with equal monthly payments on phone purchases: Google Store Financing is a credit card account issued and serviced solely by Synchrony Bank and can be used only for purchases at.