This is very random but I was figuring out how car payments and loans work exactly and I understand everything pretty well now except for one part: how do they come up with the number for the initial payment?

For example, in this link, where did they get the $362.68? How did they arrive at that number?
http://www.theautoevaluator.net/resources.html

I now understand how interest rates work, how you pay less interest as your principle decreases, etc. I just want to FULLY understand the process and it's annoying the crap out of me that I can't figure it out.

The prize for whoever can explain (and get me to understand it) will be a hand written thank you note and stickers, should you wish to accept it.

-Mike

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