360/mo * 60 mo = $21,600? Shens! Nissan's website says the Xterra starts $23,870 for the lowest model not including taxes or delivery.I was thinking it was a 48 month term... that's a lot of dough. I can think of a lot of cars I would rather own for 500/month. My xterra came out to like 360/month with a higher % rate and same term loan.