Kangaroo auto is offering free credit on a $10,000 car. You can pay $1000 down and then $300 per month ($9,000 30 months) for 30 months. Turtle Motors, next door, does not offer free credit but will sell you the same car for $9,000 with 100% financing at 8% for 30 months. What are your monthly payments at Turtle Motors? Which offer is the best offer?