Loan Amortization and Effective Interest Rate

You are thinking about buying a car, and a local bank is willing to lend you $$20,000$ to buy the car. Under the terms of the loan, it will be fully amortized over $5$ years $(60$ months$),$ and the nominal rate of interest will be $12$ percent, with interest paid monthly. What would be the monthly payment on the loan? What would be the effective rate of interest on the loan?