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If you take out an $8,000 car loan that calls for 48 monthly payments starting after 1 month at an APR of 10%, what is

If you take out an $8,000 car loan that calls for 48 monthly payments starting after 1 month at an APR of 10%, what is your monthly payment? What is the effective annual interest rate on the loan? ( do not use computer or excel calculate, use the formular calculate)

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