$95.10 per month. Cash price $4,100. Down payment $50. For 60 months. What’s the amount financed, finance charge, deferred payment, APR by APR table, monthly payment?

Let's break down the problem and solve each component step by step.

### 1. **Amount Financed**:
The amount financed is the cash price minus the down payment.

\[
\text{Amount Financed} = \text{Cash Price} - \text{Down Payment} 
= 4100 - 50 = 4050
\]

### 2. **Monthly Payment**:
The monthly payment is already given as **$95.10**.

### 3. **Finance Charge**:
The finance charge is the total amount paid over the term of the loan minus the amount financed.

Total paid over the term is calculated as:

\[
\text{Total Payment} = \text{Monthly Payment} \times \text{Number of Months} = 95.10 \times 60 = 5706
\]

Now, subtract the amount financed:

\[
\text{Finance Charge} = \text{Total Payment} - \text{Amount Financed} = 5706 - 4050 = 1656
\]

### 4. **Deferred Payment Price**:
This is the total amount to be paid, including both the finance charge and the down payment.

\[
\text{Deferred Payment Price} = \text{Down Payment} + \text{Total Payment} = 50 + 5706 = 5756
\]

### 5. **APR by APR Table**:
To calculate the **APR** using the table, we need:
- The finance charge: $1656
- The amount financed: $4050
- The number of payments: 60 months.

Using these values, you would normally look at an **APR table** that relates the finance charge to the amount financed for a given loan term. However, based on standard APR table approximations, this finance charge on a loan of $4050 over 60 months suggests an APR of around **9%** to **10%**.

---

### Summary:
1. **Amount Financed**: $4,050
2. **Monthly Payment**: $95.10
3. **Finance Charge**: $1,656
4. **Deferred Payment Price**: $5,756
5. **APR**: Approximately **9-10%**

Would you like further details on any of these calculations?

Here are some follow-up questions you might find helpful:
1. How does increasing the down payment affect the finance charge?
2. What happens to the monthly payment if the loan term is shortened?
3. How would a lower APR change the total cost of the loan?
4. What are some factors that influence the APR offered to a borrower?
5. How can you calculate APR directly without using a table?

**Tip**: APR (Annual Percentage Rate) includes both the interest rate and any other costs associated with borrowing money, which is why it's different from just the interest rate.

Learn how to calculate the amount financed, finance charge, deferred payment price, and APR for a $4,100 loan with a $50 down payment and $95.10 monthly payment over 60 months. Includes key formulas and a step-by-step breakdown for high school students.

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