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Which of the following is the APR ( true annual interest rate) to the nearest half percent for a loan of $3250 with a down

Which of the following is the APR ( true annual interest rate) to the nearest half percent for a loan of $3250 with a down payment of $750 add-on the interest rate of %7 and 36 monthly payments?

12.5%

12%

13.5%

13.0%

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