You are buying a new car for $30,096. You have $4,704 for a down payment, and you wish to finance the remainder over 3 years. The car dealer offers you a 5.12% loan with up-front costs of $345 added to the load amount. You take possession of the car today, and your first loan payment is due the same day every month. How much is your monthly payment? O $965.94 $772.75 $795.93 O $734.11 $664.56