You could purchase an auto valued at $39,502 which includes a down payment of $0 and assumes you could qualify for a loan amount of $39,502.<table class='pure-table pure-table-bordered'><tr><th scope="col">Month</th><th scope="col">Beginning Balance</th><th scope="col">Interest</th><th scope="col">Payment</th><th scope="col">Ending Balance</th></tr><tr><td role="rowheader" scope="row">1</td><td>$39,501.74</td><td>$98.43</td><td>$600.00</td><td>$39,000.17</td></tr><tr><td role="rowheader" scope="row">2</td><td>39,000</td><td>97</td><td>600</td><td>38,497</td></tr><tr><td role="rowheader" scope="row">3</td><td>38,497</td><td>96</td><td>600</td><td>37,993</td></tr><tr><td role="rowheader" scope="row">4</td><td>37,993</td><td>95</td><td>600</td><td>37,488</td></tr><tr><td role="rowheader" scope="row">5</td><td>37,488</td><td>93</td><td>600</td><td>36,981</td></tr><tr><td role="rowheader" scope="row">6</td><td>36,981</td><td>92</td><td>600</td><td>36,473</td></tr><tr><td role="rowheader" scope="row">7</td><td>36,473</td><td>91</td><td>600</td><td>35,964</td></tr><tr><td role="rowheader" scope="row">8</td><td>35,964</td><td>90</td><td>600</td><td>35,454</td></tr><tr><td role="rowheader" scope="row">9</td><td>35,454</td><td>88</td><td>600</td><td>34,942</td></tr><tr><td role="rowheader" scope="row">10</td><td>34,942</td><td>87</td><td>600</td><td>34,429</td></tr><tr><td role="rowheader" scope="row">11</td><td>34,429</td><td>86</td><td>600</td><td>33,915</td></tr><tr><td role="rowheader" scope="row">12</td><td>33,915</td><td>85</td><td>600</td><td>33,400</td></tr><tr><td role="rowheader" scope="row">13</td><td>33,400</td><td>83</td><td>600</td><td>32,883</td></tr><tr><td role="rowheader" scope="row">14</td><td>32,883</td><td>82</td><td>600</td><td>32,365</td></tr><tr><td role="rowheader" scope="row">15</td><td>32,365</td><td>81</td><td>600</td><td>31,845</td></tr><tr><td role="rowheader" scope="row">16</td><td>31,845</td><td>79</td><td>600</td><td>31,325</td></tr><tr><td role="rowheader" scope="row">17</td><td>31,325</td><td>78</td><td>600</td><td>30,803</td></tr><tr><td role="rowheader" scope="row">18</td><td>30,803</td><td>77</td><td>600</td><td>30,280</td></tr><tr><td role="rowheader" scope="row">19</td><td>30,280</td><td>75</td><td>600</td><td>29,755</td></tr><tr><td role="rowheader" scope="row">20</td><td>29,755</td><td>74</td><td>600</td><td>29,229</td></tr><tr><td role="rowheader" scope="row">21</td><td>29,229</td><td>73</td><td>600</td><td>28,702</td></tr><tr><td role="rowheader" scope="row">22</td><td>28,702</td><td>72</td><td>600</td><td>28,174</td></tr><tr><td role="rowheader" scope="row">23</td><td>28,174</td><td>70</td><td>600</td><td>27,644</td></tr><tr><td role="rowheader" scope="row">24</td><td>27,644</td><td>69</td><td>600</td><td>27,113</td></tr><tr><td role="rowheader" scope="row">25</td><td>27,113</td><td>68</td><td>600</td><td>26,580</td></tr><tr><td role="rowheader" scope="row">26</td><td>26,580</td><td>66</td><td>600</td><td>26,046</td></tr><tr><td role="rowheader" scope="row">27</td><td>26,046</td><td>65</td><td>600</td><td>25,511</td></tr><tr><td role="rowheader" scope="row">28</td><td>25,511</td><td>64</td><td>600</td><td>24,975</td></tr><tr><td role="rowheader" scope="row">29</td><td>24,975</td><td>62</td><td>600</td><td>24,437</td></tr><tr><td role="rowheader" scope="row">30</td><td>24,437</td><td>61</td><td>600</td><td>23,898</td></tr><tr><td role="rowheader" scope="row">31</td><td>23,898</td><td>60</td><td>600</td><td>23,358</td></tr><tr><td role="rowheader" scope="row">32</td><td>23,358</td><td>58</td><td>600</td><td>22,816</td></tr><tr><td role="rowheader" scope="row">33</td><td>22,816</td><td>57</td><td>600</td><td>22,273</td></tr><tr><td role="rowheader" scope="row">34</td><td>22,273</td><td>55</td><td>600</td><td>21,728</td></tr><tr><td role="rowheader" scope="row">35</td><td>21,728</td><td>54</td><td>600</td><td>21,182</td></tr><tr><td role="rowheader" scope="row">36</td><td>21,182</td><td>53</td><td>600</td><td>20,635</td></tr><tr><td role="rowheader" scope="row">37</td><td>20,635</td><td>51</td><td>600</td><td>20,086</td></tr><tr><td role="rowheader" scope="row">38</td><td>20,086</td><td>50</td><td>600</td><td>19,536</td></tr><tr><td role="rowheader" scope="row">39</td><td>19,536</td><td>49</td><td>600</td><td>18,985</td></tr><tr><td role="rowheader" scope="row">40</td><td>18,985</td><td>47</td><td>600</td><td>18,432</td></tr><tr><td role="rowheader" scope="row">41</td><td>18,432</td><td>46</td><td>600</td><td>17,878</td></tr><tr><td role="rowheader" scope="row">42</td><td>17,878</td><td>45</td><td>600</td><td>17,323</td></tr><tr><td role="rowheader" scope="row">43</td><td>17,323</td><td>43</td><td>600</td><td>16,766</td></tr><tr><td role="rowheader" scope="row">44</td><td>16,766</td><td>42</td><td>600</td><td>16,208</td></tr><tr><td role="rowheader" scope="row">45</td><td>16,208</td><td>40</td><td>600</td><td>15,648</td></tr><tr><td role="rowheader" scope="row">46</td><td>15,648</td><td>39</td><td>600</td><td>15,087</td></tr><tr><td role="rowheader" scope="row">47</td><td>15,087</td><td>38</td><td>600</td><td>14,525</td></tr><tr><td role="rowheader" scope="row">48</td><td>14,525</td><td>36</td><td>600</td><td>13,961</td></tr><tr><td role="rowheader" scope="row">49</td><td>13,961</td><td>35</td><td>600</td><td>13,396</td></tr><tr><td role="rowheader" scope="row">50</td><td>13,396</td><td>33</td><td>600</td><td>12,829</td></tr><tr><td role="rowheader" scope="row">51</td><td>12,829</td><td>32</td><td>600</td><td>12,261</td></tr><tr><td role="rowheader" scope="row">52</td><td>12,261</td><td>31</td><td>600</td><td>11,692</td></tr><tr><td role="rowheader" scope="row">53</td><td>11,692</td><td>29</td><td>600</td><td>11,121</td></tr><tr><td role="rowheader" scope="row">54</td><td>11,121</td><td>28</td><td>600</td><td>10,549</td></tr><tr><td role="rowheader" scope="row">55</td><td>10,549</td><td>26</td><td>600</td><td>9,975</td></tr><tr><td role="rowheader" scope="row">56</td><td>9,975</td><td>25</td><td>600</td><td>9,400</td></tr><tr><td role="rowheader" scope="row">57</td><td>9,400</td><td>23</td><td>600</td><td>8,823</td></tr><tr><td role="rowheader" scope="row">58</td><td>8,823</td><td>22</td><td>600</td><td>8,245</td></tr><tr><td role="rowheader" scope="row">59</td><td>8,245</td><td>21</td><td>600</td><td>7,666</td></tr><tr><td role="rowheader" scope="row">60</td><td>7,666</td><td>19</td><td>600</td><td>7,085</td></tr><tr><td role="rowheader" scope="row">61</td><td>7,085</td><td>18</td><td>600</td><td>6,502</td></tr><tr><td role="rowheader" scope="row">62</td><td>6,502</td><td>16</td><td>600</td><td>5,919</td></tr><tr><td role="rowheader" scope="row">63</td><td>5,919</td><td>15</td><td>600</td><td>5,333</td></tr><tr><td role="rowheader" scope="row">64</td><td>5,333</td><td>13</td><td>600</td><td>4,747</td></tr><tr><td role="rowheader" scope="row">65</td><td>4,747</td><td>12</td><td>600</td><td>4,158</td></tr><tr><td role="rowheader" scope="row">66</td><td>4,158</td><td>10</td><td>600</td><td>3,569</td></tr><tr><td role="rowheader" scope="row">67</td><td>3,569</td><td>9</td><td>600</td><td>2,978</td></tr><tr><td role="rowheader" scope="row">68</td><td>2,978</td><td>7</td><td>600</td><td>2,385</td></tr><tr><td role="rowheader" scope="row">69</td><td>2,385</td><td>6</td><td>600</td><td>1,791</td></tr><tr><td role="rowheader" scope="row">70</td><td>1,791</td><td>4</td><td>600</td><td>1,196</td></tr><tr><td role="rowheader" scope="row">71</td><td>1,196</td><td>3</td><td>600</td><td>599</td></tr><tr><td role="rowheader" scope="row">72</td><td>599</td><td>1</td><td>600</td><td>0</td></tr></table>