You have decided to purchase a new car!! You and the salesman have agreed on a price of $$40,000.$ They have

agreed to give you $$5,000$ for your current car as a trade$-$in$.$ You have saved an additional $$3,000$ to add as a down

payment. You plan to finance the car for $6$ years. You are able to get an auto loan at $1\mathrm{.}99\%$ APR.