A used car dealer advertises financing at $0\%$ interest over $3$ years with monthly payments. You must pay a processing fee of $$500$ at signing. The car you like costs $$9,000.$

What is your effective annual interest rate?

The dealer would accept a price of $$8,200$ if you paid cash. The signing fee still exists... what effective annual interest rate would you be paying if you financed with the dealer?