 The rule of thumb is for every $1,000 you borrow is $20. So if you're going to finance $20,000, it's roughly a $400 payment. But you also need to know that the average new car today is $49,000. So if you aren't putting money down and you're financing taxes, I mean, it's a $1,000 payment. It's bizarre to me. It's a $1,000 payment.