Andrew borrowed $$149000$ to buy an apartment and has been paying $$1000$ per fortnight to repay this loan. The balance of Anton's loan is $$84987\mathrm{.}19$ after $3$ years of payments. What is the annual percentage rate of interest for this loan?

Please hand calculate, don't use Excel. Note the textbook answer is $3\mathrm{.}95\%$ but I do not understand how to get that answer.