Please choose the correct ending to complete the given sentence: Cars & Other Vehicles: [header] How to finance a car [title] Find out how much you can afford up front. [step] If you know the ballpark value of what you want to pay for a vehicle, and how much you can afford to pay in cash, you will know about how much you will need to finance. [substeps] Maximize your down payment.

Ending1: This means having more room for renewals or replacement costs. If there is money on your credit card balance, it's necessary to put some money on your debit card. Ending2: A smart way to finance a car is to get as much of a down payment as you can. The more you can pay at the beginning of a deal, the less you will have to pay in interest. Ending3: If you plan to buy a car, look into why you will need to finance it. Do you want to keep your monthly spending within, up to, six months? Small down payments like $200 usd may be enough to save up for the first few months after you purchase the car. Ending4: You can optimize your down payment by taking into account your rental costs and the kind of car you want to buy. Be aware of how much may be covered by your car loan.

Answer format: ending1/ending2/ending3/ending4