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Representative Finance Example

Representative Example - Personal Contract Purchase

48 Payments of
£299

Optional Final Payment
£13,972.50

Cash Price
£30,495.00

Deposit
£8,512.89

Total Term
49

Total Credit
£21,982.11

Total Payable
£36,837.39

Fixed Rate of Interest (annum)
4.61%

Representative
8.9% APR

Excess Mileage (pence per mile)
9p

Annual Mileage
8,000

Options available at the end of a PCP | 1. Buy the car - by paying the Final Payment, 2. Hand the car back - this will be subject to the expected mileage and condition of the car, 3. Part exchange for a new car using any of the car’s equity towards your next deposit

Representative Example

First Payment
£429.44

58 Payments of
£429.44

Final Payment
£429.44

Cash Price
£24,849.00

Deposit
£2,500.00

Total Term
60

Total Credit
£22,349.00

Total Payable
£28,266.40

Fixed Rate of Interest (annum)
5.73%

Representative
5.90%
APR

Included in the first payment shown is an administration fee of £0.00, Included in the payments shown is an administration fee of £10.00

Finance Type	Cash Price	Deposit	Balance	Monthly Payments	Term	Final Payment	Total Payable
Personal Contract Purchase	£23,499.00	£2,500.00	£20,999.00	£320.49	49 Months	£9,206.00	£27,089.52
Hire Purchase	£23,499.00	£2,500.00	£20,999.00	£403.50	60 Months	£403.50	£26,710.00

Finance Type	Cash Price	Deposit	Balance	Monthly Payments	Term	Final Payment	Total Payable
Personal Contract Purchase	£24,849.00	£2,500.00	£22,349.00	£346.17	49 Months	£9,523.00	£28,639.16
Hire Purchase	£24,849.00	£2,500.00	£22,349.00	£429.44	60 Months	£429.44	£28,266.40

Finance Type	Cash Price	Deposit	Balance	Monthly Payments	Term	Final Payment	Total Payable
Personal Contract Purchase	£25,199.00	£2,500.00	£22,699.00	£351.04	49 Months	£9,702.00	£29,051.92
Hire Purchase	£25,199.00	£2,500.00	£22,699.00	£436.16	60 Months	£436.16	£28,669.60

Finance Type	Cash Price	Deposit	Balance	Monthly Payments	Term	Final Payment	Total Payable
Personal Contract Purchase	£26,549.00	£2,500.00	£24,049.00	£377.86	49 Months	£9,958.00	£30,595.28
Hire Purchase	£26,549.00	£2,500.00	£24,049.00	£462.10	60 Months	£462.10	£30,226.00

Finance Type	Cash Price	Deposit	Balance	Monthly Payments	Term	Final Payment	Total Payable
Personal Contract Purchase	£28,349.00	£2,500.00	£25,849.00	£403.83	49 Months	£10,828.00	£32,711.84
Hire Purchase	£28,349.00	£2,500.00	£25,849.00	£496.69	60 Months	£496.69	£32,301.40

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Representative Finance Example

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