You forget the interest is an ANNUAL percentage and your loan is a 3 year loan, therefore you need to compound the interest amount by 3 for the length of the loan. In other words....$13000 financed @4.5% is $585 per year, multiply that by 3 years and the total interest is $1755 making the monthly payment $409.86.
Matthew David Morris aka MattyB is a 14-year-old pop singer/rapper from Atlanta, GA. He was born on January 6, 2003. Since beginning his music career at age 7, he has quickly become an Internet superstar with more than 5 Billion video views and 12 million YouTube subscribers.
Not to be confused with Australian rapper Matty B. Matthew David Morris (born January 6, 2003), better known as MattyB or MattyBRaps, is an American children's artist, known for posting remix videos of popular music on YouTube. Morris has released numerous covers and remixes of mainstream music since he began his career in 2010, His first cover was of Eenie Meenie by Justin Bieber.