Enter the nominal rate from the offer. Remember: the full cost is shown by the APR/RRSO (with fees and insurance) — compare offers by APR.
This is an annuity (equal) instalment — the most common in car loans. The result excludes fees, insurance and charges — so the real cost (APR/RRSO) will be higher than the rate alone. With declining instalments the first one is higher and total interest lower.