$3.$ Bill needs a new car and has found one he likes for $$25,000.$ He has $$5,000$ to put down on the car and will take out a note for six years. The dealer can finance the loan for Bill but the interest rate is high at $7\mathrm{.}25\%.$ His local community bank can provide the same loan, but they charge an interest rate of $4\mathrm{.}99\%.$ What is the payment if Bill uses dealer financing $\_\_\_\_\_\_\_\_\_?$ What is the payment if Bill uses the community bank option $\_\_\_\_\_\_\_\_\_\_\_?$