u/Competitive_Rush_569

https://preview.redd.it/7m78lvf3e7yg1.png?width=1158&format=png&auto=webp&s=cac355ae31a4cf73ca376f6d7ddba462cbfddc3e

I have received this quote for a Mazda 6e, over 3 years. I have calculated a 17% effective rate using both calculators provided - seems really high. Am I missing something?