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Representative Example for Hire Purchase (HP): Cash price £17,945.00, Annual Interest Rate (fixed) 5.18% p.a., with a representative 9.9% APR, total amount of credit £16,151.00, deposit of £1,794.00, an initial payment of £339.23, followed by 58 monthly payments of £339.23 with a final payment of £349.23, total amount payable is £22,157.80