This price is included finance charges, warranty for 3 months, and gap insurance. Tax and tag and processing fee are not included., Normaly we required 25-30% down payment and the remaining balance will be devided by 24 to 36 months, and that will be your monthly payments., In case, remaining balance is paid off sooner than due date, and discount adjustment will be made depending on how soon the balance is paid off. The earlier that balance was paid off in full the greater discount will be applied., For details of loan qualification please call (301) 650 -2400.