needs to be done in excel or at least tell me what the excel forumlas would be thank you

4. Elmo wants to buy a car that costs $30,000. He plans to pay $5,000 as a down payment and finance the rest. The dealer's bank quotes an interest rate of 3.9% APR for a 72-month loan with equal monthly payments. What will Elmo's monthly payment be? (Show the answer in dollars and cents.) What is the effective annual rate on the loan? (Show the answer as a percentage with two decimals.)