Karen and Wayne need to buy a refrigerator because theirs just broke. Unfortunately,their savings account is depleted, and they will need to borrow money in order to buy a new one. Sears offers them an installment loan at $15\%($add$-$on rate$).$ If the refrigerator at Sears costs $$1,500$ plus $5\%$ sales tax, and Karen and Wayne plan to pay for the refrigerator for $2$ years, what is the monthly payment?