Please choose the correct ending to complete the given sentence: Food and Entertaining: [header] How to calculate a down payment for a car [title] Consider your options. [step] Dealerships make money by offering higher interest loans than other financial institutions. Because of that, you should know ahead of time how much you are willing to spend, and stick to that.

Ending1: Common down payments for your car are usually from $150 and $500; the rest are from the loan itself. With a high interest rate, another option might be giving the reduced down payments to a reputable dealer, who will interest you back in advance. Ending2: Some dealerships offer their customers small-scale down payments in addition to large down payments. [substeps] The price of a car for a few thousand dollars may not equal the down payment you can make. Ending3: Going into a deal with a large down payment is to put pressure on yourself, and can make it harder to do otherwise. Consider taking a risk and negotiating better with a down payment. Ending4: Generally, if you have a credit score above 650, you should be able to get financing through a bank or credit union for a much better interest rate than at a dealership. [title] Decide how much you can afford to pay as a down payment.

Answer format: ending1/ending2/ending3/ending4