You have arranged for a loan on your new car that will require the first payment today. The loan is for $38,000, and the monthly payments are $685. If the loan will be paid off over the next 68 months (there are that many payments total), what is the APR of the loan? (Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16.) APR %