Margie wants to buy a car that is available at two dealerships. best buggies would let her make quarterly payments of $$2,049$ Q for $4$ years at a quarterly interest rate of $3\mathrm{.}74$ percent. Her first payment to Best Buggies would be due immediately $.$ If Calffornla Cars would let her make equal monthly payments of $$657\mathrm{.}53$ for $4$years and if her first payment to californCalifornia Cars would be in $1$month, then what is the monthly interest rate that Margie would be charged by California Cars?