All payments on the under $300/month page are calculated as follows: 

for any vehicle 2014 or newer the term is 72 months and the interest rate used is 6.99%.  Additionally

the payments are calculated with zero down plus tax and tag fees.  All payments are subject to approved

credit.  Any vehicle 2013 or older is calculated at 60 months at 6.99%  with zero down plus tax and tags and also

subject to approved credit.