You have saved $500 to buy an electric scooter that costs $1800. You plan to borrow the rest of the purchase price from the bank. The bank is offering a 3 year loan at 4% APR with monthly payments. Assuming you take this loan, what will your monthly payment be?

PLEASE show steps on the HP 10bII+ financial calculator ONLY. The answer is $38.38, but I am getting a different PV.

This is what I got based on the financial calculator:

i = 4%APR/12 = 0.33%

N = 12 *3 = 36

PV = -1300

FV = 1800

CPT PMT = 8.81

Please provide step by step like above.