Suppose you borrow $27,000 from your bank to buy a car. You agree to pay $639.5 per month for 60 months. What is the interest rate (APR) for the loan? \begin{tabular}{|l|} \hline 13% \\ 13.6% \\ 14.2% \\ 14.8% \\ 15.4% \\ 16% \end{tabular}