To calculate our monthly-payment figures, we made some assumptions -- the buyer would be putting 10 percent down, and taking out a five-year loan at the national average APR of 6.77 (based on Bankrate.com figures). Since we assumed the buyer was looking for the lowest payment possible, we calculated our figures based on the vehicle's base MSRP, plus destination charge, and did not take into account the cost of any options. Taxes, tags and title fee were not calculated as part of the monthly payment.