Abstract: Vehicle information is provided by a private seller of a vehicle over a network to an online vehicle transaction server. A periodic payment amount is then calculated for the vehicle based on the provided vehicle information, as well as certain predetermined financing terms. In one embodiment a vehicle advertisement number is generated for the subject vehicle, and may serve as a identifier or online pointer to a webpage containing the subject vehicle's information, including the previously-calculated periodic payment amount. In embodiment, a vehicle advertisement document may be generating to include the vehicle advertisement number and the vehicle's sales price represented as the previously-calculated periodic payment amount. The advertisement document may be downloaded by the private vehicle seller and placed in the subject vehicle as a sale sign.