Sandra wants to buy a car that is available at two dealerships. The price of the car is the same at both dealerships. Best Buggies would let her make quarterly payments of $$2,240\mathrm{.}00$ for $4$ years at a quarterly interest rate of $3\mathrm{.}70$ percent. Her first payment to Best Buggies would be due in $3$ months. If California Cars would let her make equal monthly payments of $$639\mathrm{.}18$ for $4$ years and if her first payment to California Cars would be today, then what is the monthly interest rate that Sandra would be charged by California Cars?

$0\mathrm{.}96\%($plus or minus $10$ bps$)$

$0\mathrm{.}86\%($plus or minus $10$ bps$)$

$0\mathrm{.}90\%($plus or minus $10$ bps$)$

$0\mathrm{.}92\%($plus or minus $10$ bps$)$