You are in the process of purchasing a new automobile that will cost you $35,000. The dealership is offering you either a $5,000 rebate (applied toward the purchase price) or 4.5% financing for 60 months (with payments made at the end of the month). You have been pre-approved for an auto loan through your local credit union at an interest rate of 8.0% for 60 months. Should you take the $5,000 rebate and finance through your credit union or forgo the rebate and finance through the dealership at the lower 4.5% APR