conversation: User (dhazelco): "I've negotiated a price on a 2015 Hyundai Accent with 33,000 miles on it. It has clean carfax, 1-owner, pre-owned certified. I have haggled them down to monthly payments of $180 a month (they say the 6.9% interest is included in this monthly payment?) for 6 years. KBB values this car at its highest $12,450. The math I've done with the car payments over 6 years = $12,900. This includes tax, title, and dealer fees. I don't know how to calculate the interest on this however. Some people tell me its compounded but research tells me its simple. Any help or advice would be appreciated!"
  Self: "Can you get a better finance rate from a credit union?"
  