I am trying to find the effective rate of return for the following:

Present Value $100,000
3 yrs = 0 payments
7 yrs = $1460.86 per payment
Life of loan is 10 yrs.

If I calculate just on the 7 yrs, I get 6%, but isn't there a way to find
the effective rate of return over the entire life of the loan?

Any help you can provide would be greatly appreciated.

Thank you!