Anne Herriman Is Seeking to Purchase a Motor Vehicle for Approximately

Anne Herriman is seeking to purchase a motor vehicle for approximately $10,000 and requires finance in order to complete the purchase. She has recently visited the following financiers who have each approved finance for an amount of $10,000 on the following terms and conditions:
Ezy Credit: 3 year loan with end of month repayments of $350 and a loan establishment fee of $100 payable upon loan acceptance, Spinner Financing: 2 year loan with end of month repayments of $500, and Low Doc Loans: 3 year loan with end of quarter repayments of $1,050 and a loan establishment fee of $150 payable upon loan acceptance.
As Anne has become confused as to which finance alternative is best given the different terms and conditions of each financier she has sought your assistance and advice.
a) On what financial basis should Anne seek to differentiate and select between the different financiers?
b) With the assistance of a financial calculator and your previous discussion in part (a) of this question, advise Anne as to the preferred finance alternative.