Step 1 Financecharge=1,030.62×100 =103,062 Amount financed=8900 Step 2 Finance charge÷amount financed 103,062÷8,900=11.58 Step 3 look on pymt line for 24 months & amount closets to 11.58 But according to the table 11.58 located in the middle of 11.30 and 11.86 11.58−11.30=0.28 11.86−11.58=0.28 I would say the APR is either 10.5% or 11.0%