Tammy wants to buy a car that costs $$10,000$ and wishes to know the amount of the monthly payments, which will be made at the end of the month, with interest of $12\%$ on the unpaid balance. She should use a calculation involving the:

Multiple Choice

future value of a single amount.

present value of a single amount.

present value of an ordinary annuity.

future value of an ordinary annuity.