You just received a $20,000 annual bonus at your job (Nice!). With this nice payday you have $12,000 after California tax (yikes!). Instead of saving this money, you are going to put $6,500 down on your dream car, a slightly used 2018 Jaguar F-type which is selling for $39,500 total, after-tax and all fees. You take out a loan to cover the car payment, which will be 72-months long, and a 3.5% APR. What is the monthly payment on your new ride?

$440.99

$498.22

$508.81

$622.13