The Smyths purchased a furniture set for $2,500 at 12% add-on interest for 3 years resulting in a monthly payment of $94.44. If they decide to pay-off the loan after making the 20th payment they will save $74.32 in interest, what will their pay-off amount be?

Group of answer choices

$964.52

$660.72

$611.20

$870.08