Ford Motor Company currently offers incentives on any motor car of 4.9% Annual Percentage Rate (APR) financing for 60 months or a $1000 cash back if purchased using alternate financing. If the car you wish to purchase is costing $25,000 and your credit union is willing to lend you the monies at 6.9 percent APR with the cash back, what will your monthly payment be under the two options? Which option would you choose?