Dealer promo: lower/zero DP subsidized by the dealer, but typically higher APR via their bank tie-up. Bank PO: usually higher DP (~20%) but lower APR. Used Car Financing: defaults here follow “1.25% monthly add-on” (as commonly quoted) converted to an amortizing-equivalent APR so payments, payoff, and equity timing stay consistent.
For used cars, LTO transfer fees and first-year insurance amounts are only estimates and vary by vehicle, location, and insurer. If you tick “finance first-year insurance into loan”, that premium is rolled into principal and repaid in your monthly amortization.