I have different prices for a particular product based on how the client pays, and I would like the name of the product to change ("Machine, paid in 3 monthly installments.")

For example:

• Standard price 1000 euro

• Total price if paid in 3 monthly installments on credit card 1120 euro

• Total price if paid in 12 monthly installments on credit card 1360 euro

First I tried product variants, but each variant is a separate unit in inventory, and that is not the case here (they're all the same product in inventory).

Next I was going to try price lists, but the name of the product doesn't change, only the price.

What is the best way to accomplish this without adding a note to the order manually?