please answer in 25 min

You plan to buy a $36,871.00 car. The dealership offers zero-percent financing for 59.00 months, with the first payment due at signing (today). You have approval for a auto loan from XYZ Bank at an interest rate of 4.58% compounded monthly. What must be the cashback offered by the dealer such that you are indifferent between the two financing schemes? [Hint: With 0\% financing, you will make equal monthly payments such that the sum of the payments is equal to the cost of the car.] $3,786.80$3,559.92$3,367.46 None of the above $3,465.22