Change yearly rate into monthly rate using w/ or w/out financial calculator?

Yeah Right

New member
Hi

Im trying to solve a finance HW problem:

One year loan of $800 at 14% has add on interest and principal. Interest are repaid in 12 equal monthy monthly installments. What is the monthly payment?

I know the answer is $76 (its in the answers solution). I just can't figure how/why the rate is 2%. I dunno how to change the yearly 14% into monthly rate of 2%. Please help!
 
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