what would payment be on 12000 at 9% interest
You didn't specify length of loan, use this site to calculate it for you, http://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx
9% in today's market is crazy high, you must have bad credit. Do you really need a car loan?
48 mo = $298 60 mo = $249 72 mo = $216
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