You are at a car dealership and have just found a car you wo…

Yоu аre аt а car dealership and have just fоund a car yоu would like to purchase. After agreeing on a sale price with the salesperson, you fill out some of the necessary paperwork and are taken to work through financials with the financier. You are given two different loan options. Loan A has a payment due today, and Loan B has its first payment in a month. You calculate the present value of each loan and find that Loan A is lowest. Which do you choose and why?