Representative Example for Hire Purchase (HP): Cash price £10,995.00, Annual Interest Rate (fixed) 5.19% p.a., with a representative 9.9% APR, total amount of credit £9,896.00, deposit of £1,099.00, an initial payment of £207.72, followed by 58 monthly payments of £207.72 with a final payment of £207.72, total amount payable is £13,562.20