a. If you take out an $6,000 car loan that calls for 72 monthly payments starting after 1 month at an APR of 8.20%, what is your monthly payment? (Do not round intermediate calculations. Round your answer to 2 decimal places.) Monthly payment b. What is the effective annual interest rate on the loan? (Do not round intermediate calculations. Round your answer to 2 decimal places.) Effective annual interest rate %