Hi, I have a question for this problem

You have been offered four different financing schemes for a $30,000 car. Which one should you choose?

The answer choices are, can you please let me know what the right answer is and how to do it. Thank you.

$5,000 down with the rest paid in equal monthly payments of $624.70 per month for 48 months

$0 down with equal monthly payments of $960 per month for 36 months

$15,000 down and a final payment of $18,550 two years from now

have it financed with a bank loan at a quoted rate of 9.5% with loan repayments made monthly