Someone needs to borrow $10,000 to buy a car and the person has determined that monthly payments of $200 are affordable. The bank offers a 3-year loan at 6% APR, a 4-year loan at 6.5%, or a 5-year loan at 7% APR. Which loan best meets the person's needs? Explain. Which loan best meets the person's needs? (Round to the nearest cent as needed.) O A. The first loan best meets the person's needs because the monthly payment of $ is less than the maximum budgeted amount of $200 per month. B. The third loan best meets the person's needs because the monthly payment of $ is less than the maximum budgeted amount of $200 per month. C. The second loan best meets the person's needs because the monthly payment of $ is less than the maximum budgeted amount of $200 per month. OD. None of the loans meet the person's needs