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Loan calculator is just an estimator actual interest rates and monthly fees determined by lenders. All payments exclude government fees and taxes, any finance charges, any dealer document preparation charge, and any emission testing charge. The prices for listed vehicles are cash prices as equipped does not include charges such as: Tag, Title, Registration, State or Local Taxes, Dealer Fee, Smog Fees, Credit Investigation, Optional Credit Insurance, GAP Insurance, Physical Damage of Liability Insurance, or Delivery Fees.