Just need help finding the effective annual return

11.11 points You want to buy a new sports coupe for $75,700, and the finance office at the dealership has quoted you a loan with an APR of 8.1 percent for 36 months to buy the car What will your monthly payments be? (Do not round intermediate calculations and round your answer to 2 decimal places, e.g, 32.16.) Monthly payment What is the efective annual rate on this loan? (Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g, 32.16 Effective annual rate