How do I include the cost of financing so they follow consumer guidelines laws?

State laws will vary on how financing costs are handled. Here are a couple of recommendations:

1) You can use a blended average cost of capital. Boost all prices by a fixed amount, say 6%, to cover your blended cost of financing. Some customers pay more and some less.  Increase your margin to cover this "blended average" financing percentage.

2) We believe that the wording on the app allows you to offer cash price discounts. The list price includes the highest dealer fee upcharge percentage.  But this is not a legal opinion, you should consult your attorney.