You have just taken out a $$40,000$ car loan with a $5\%$ APR and $3$ equal annual payments. The loan is for three years. How much is your yearly payment?

$$13,093\mathrm{.}84$

$$16,093\mathrm{.}84$

$$15,093\mathrm{.}84$

$$14,688\mathrm{.}34$