ou are in the process of purchasing a new car that will cost you $$25,000.$ The dealership is offering

you either a $$1,000$ rebate $($applied toward the purchase price$)$ or $3\mathrm{.}9\%($APR$)$ financing for $60$ months

$($with payments made at the end of the month$).$ You have been pre$-$approved for an auto loan through

your local credit union at an interest rate of $7\mathrm{.}5\%($APR$)$ for $60$ months. What is the monthly payment amount if you forgo the rebate and finance through the dealership at the lower $3\mathrm{.}9\%$ APR? What is the monthly payment amount if you take the $$1,000$ rebate from the dealership and finance through your credit union? Should you take the rebate and finance through your credit union?