A Newspaper Advertisement Offers a $9,000 Car for Nothing Down $6.1 \%$

A newspaper advertisement offers a $9,000 car for nothing down and 36 easy monthly payments of $296.87. What is the APR? Round your answer to the nearest tenth of a percent.

A) $6.1 \%$
B) $16.0 \%$
C) $9.7 \%$
D) $31.1 \%$
E) $12.2 \%$