You want to buy a new car. You plan to borrow the entire purchase price of $25,000. Dealer offers two choices: (i) an immediate $1500 rebate and financing at the regular rate of 7.2% APR for 48 months, or (ii) low percentage financing for 48 months. What financing rate (stated per annum, APR) would make you be indifferent between the rebate and the low percentage loan? (assume monthly compounding & payments and round your final answer to 100th of a percent)