Which of the following financing schemes for a $35,000 car should be chosen if you would like to pay the lowest interest rate on the borrowed amount and assuming you have the money for the down-payment? O a $10,000 down with the rest paid in equal monthly payments of $624.70 per month for 48 months. O b. $5,000 down with equal monthly payments of $960 per month for 36 months. c. $20,000 down and a final payment of $18,550 two years from now. O d. $0 down with equal monthly payment of $1,620 per month for 24 months. O. All financing schemes offer the same interest rates for the client