Representative Example for Hire Purchase (HP): Cash price £11,495.00, Annual Interest Rate (fixed) 5.19% p.a., with a representative 9.9% APR, total amount of credit £10,346.00, deposit of £1,149.00, an initial payment of £217.17, followed by 58 monthly payments of £217.17 with a final payment of £217.17, total amount payable is £14,179.20