I am looking to Finance my car, and I just want to make sure I understand that I am doing this correctly. *My car is priced at 21,329 (working on getting it lower). **I have been quoted in the low 3% rate, however I been using 4% for my calculation. ***Taxes: One question I do have, is that the city sales tax is 8.125%, however the auto car tax is about 6% (which one should I use) If done everything right, my payments will be about $360, and total cost of the loan will be 25k. Is my math correct? Does this seem right for a first time car buyer?