You have decided to buy a car, the price of the car is $18,000. The car dealer presents you with two choices:

(A) Purchase the car for cash and receive $2000 instant cash rebate your out of pocket expense is $16,000 today.

(B) Purchase the car for $18,000 with zero percent interest 36-month loan with monthly payments.

Market interest rate is 4%. Which option above is cheaper? How much do you save?