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Representative finance example: Personal Contract Purchase (PCP)

Representative APR% 9.90% APR	First Payment £249.71	46 Monthly payments of £249.71	Optional final payment £9,090.00	On the road price £20,000.00	Term of agreement 48 months	Customer deposit £4,000.00
Amount of credit £16,000.00	Cost of credit £4,826.37	Annual mileage 5,000	Excess mileage 8.4p	Total amount payable £24,836.37	Fixed rate of interest 9.90%