Description:

1. First of all, according to the information provided, the loan term is 3 months and the total interest is 2453.4 yuan.

2. According to the relationship between the loan amount and the total interest, the annual interest rate can be calculated according to the following formula: (total interest/loan amount)/loan term * 12 * 100%.

3. Substitute the numerical value into the formula to get (2453.4/15000)/3 *12 *100% ≈ 0.1729.

4. Multiply the calculation result by 100 to get the annual interest rate of 10.29%.

Extended data:

The annual interest rate refers to the percentage of interest calculated on an annual basis, indicating the interest expenses that the borrower needs to pay to the lending institution every year. For online loans or other types of loans, understanding the annual interest rate will help borrowers better understand the cost of loans and make reasonable financial decisions. It should be noted that the annual loan interest rate may be affected by many factors, including market interest rate and the borrower's credit rating. When choosing a loan, it is recommended to read the relevant documents carefully, communicate with the lending institution, and clarify the interest rate and repayment conditions.