Representative Example for Hire Purchase (HP): Cash price £10,299.00, Annual Interest Rate (fixed) 5.17% p.a., with a representative 9.9% APR, total amount of credit £9,269.00, deposit of £1,030.00, an initial payment of £194.77, followed by 58 monthly payments of £194.77 with a final payment of £204.77, total amount payable is £12,726.20