If someone were unable to pay cash right now, which financing option would be best for the laptop and for the refrigerator?

Answer

Installment

Explanation

Installment method of payment is where the customer who is the buyer agrees with the seller, that the buyer is issued with an item and pays at intervals. So the best  payment mode for the person who is not able to pay a laptop and for a refrigerator is by installment. And by the end of the agreed period and the person having able to pay the amount by the given time and the item will be his/her.