Compare these financing offers for [what I'm financing, e.g. a used car costing [amount]]:

Offer A: [lender, amount, APR or interest rate, term, fees, down payment, prepayment rules]
Offer B: [...]
Offer C: [...]

For each, calculate and show your working:
- Monthly payment
- Total paid over the full term and total interest plus fees
- Cost if I pay it off [N] months early
Then a comparison table, the cheapest option overall, the lowest monthly payment option, and any terms that add risk (variable rates, balloon payments, penalties, required add-ons). Finish with 3 questions to ask each lender.

If any detail is missing, state the assumption you used in bold.