Please choose the correct ending to complete the given sentence: Cars & Other Vehicles: [header] How to compare car loan rates [title] Know what to look for. [step] A good car loan rate is based on several factors. The loan amount, the apr (annual percentage rate), and the term of the loan all affect the amount of money you will end up spending or saving after your car has been paid off.

Ending1: [substeps] The apr, which is the price the loan will be charged, will determine the total money you will have to pay in interest. If you save (and the term of your loan), that amount will start to stand out. Ending2: Most auto loan rates are pretty low, and taking your car to a mechanic or merchant will likely require a significant amount of time and effort on your part. Call your car loan lender to ask about its apr. Ending3: [substeps] The loan amount is the initial total cost of the loan; however, you will end up paying more than the total cost because an interest rate is added to each payment. In addition, there may be additional taxes and fees included in the loan amount. Ending4: Take note that the lowest apr will generally be around $20 , 000 ($ 650 usd). With a good apr, you can save $150 , 000 and be able to buy a car for one year.

Answer format: ending1/ending2/ending3/ending4