Moshi Mapesa decides to purchase a brand-new 2020 Toyota V8 with heated premium leather seats, sunroof, and satellite radio for Tshs 180 million. After paying tax and license, Moshi Pesa has Tshs 25 million as a down payment. Toyota offers Mr Mapesa the choice of 3.9% APR financing for 60 months or a Tshs 18,750,000 rebate. Moshi Mapesa can receive 6.25% APR financing for 60 months through an ACB Bank loan if the rebate option is selected. Which option would result in the lower monthly payment? At what APR along without the rebate would Mr Mapesa be indifferent between the two options