What is the finance charge in dollars?

Tim Worker decided to purchase a new television on an installment loan. The television was $565.00. Tim agreed to pay $51.00 per month for 12 months. What is the finance charge in dollars?

Answers:
You'll pay a total of $46.89 in interest over the year.

I found the interest rate being charged here...
http://loan.bizcalcs.com/calculator.asp?...

Then used that interest rate in this calculator to see the total interest paid...
http://loan.bizcalcs.com/calculator.asp?...
The finance charge is $47. $51/mo x 12 mo = $612. 612 in total payments - $565 cost = $47.

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