trying to understand the loan terms, APR is too confusing. on the 25,500 offer with 5 down it was 476 for 60 months. plugging in 20.5 to a rate calc it looks like 14%? which is crazy compared to the last hail mary offer was 6.99% for 72 month. if they werent willing to match his 5.79% on 20k (not sure on months) for the extra 500 it just feels like the math doesnt work, taking the higher rate is always gonna be worse for the buyer.