[P1]

Of course the online calculators will work. They aren't BS. It's all very simple math. And are you really asking for people's credit scores?

Your buddy with the $72K Mercedes. I used an online calculator:

$72,000 vehicle price
$20,000 down payment
6.25% sales tax (what I pay in Texas)
2.9% APR
72 month loan
Monthly payment: $855.92

I'm not adding in doc fees and other fees, but you get the picture. A dealer can spit your EXACT payment out once he's ran your credit in a heartbeat. It's all they do.