An auto dealership is advertising that a new car with a sticker price of $$35,208$ is on sale for $$25,995$ if payment is made in full, or it can be financed at $0\%$ interest for $72$ months with a monthly payment of $$489.$ Note that $72$ payments $\backslash$times $$489$ per payment $=$ $$35,208,$ which is the sticker price of the car. By allowing you to pay for the car in a series of payments $($starting one month from now$)$ rather than $$25,995$ now, the dealer is effectively loaning you $$25,995.$ If you choose the $0\%$ financing option, what is the effective interest rate that the auto dealership is earning on your loan? $($Hint: Discount the payments back to current dollars, and use Goal Seek to find the discount rate that makes the net present value of the payments $=$ $$25,995.)$

Enter your answer as a percentage. If required, round your answer to one decimal digit.

$\%$