HOLD UP... I think you made a HUGE mistake in your calculations..
MSRP $35,220
Selling Price $35,220
Finance Terms:
Payment $937.17
Down payment $2,000
Rate 6.99 (700 plus fico)
Term 60 months
Your payment IS NOT 937.17 a month when you finance a car $35,220 with 2k down and at 6.99% for 60 months. You are waaaaaaaaay off.. This COMPARISON is WRONG.. You basically are telling people they are going to pay $57k+ for a car after financing or lease with a sticker of $35k. Come on guys. Do the math...