In order to get the APR what you need to do is
1) Divide the finance charge by the loan amount 2)Multiply the result by 365 3)Divide the result by the term of the loan 4)Multiply the result by 100. After that you need to find the interest per month. for example if the annual interest rate is 2.91% then 2.91/1200 => 0.002425/month. in that case the rate will be 2.95%. por in the case of this problem and after you do your calculations, the answer must be 3.3%