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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
£987.97

22 Payments of
£987.97

Final Payment
£987.97

Cash Price
£24,849.00

Deposit
£2,500.00

Total Term
24

Total Credit
£22,349.00

Total Payable
£26,211.28

Fixed Rate of Interest (annum)
5.70%

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	£448.62	25 Months	£12,227.00	£25,493.88
Hire Purchase	£23,499.00	£2,500.00	£20,999.00	£928.29	24 Months	£928.29	£24,778.96

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	£514.19	25 Months	£12,077.00	£26,917.56
Hire Purchase	£24,849.00	£2,500.00	£22,349.00	£987.97	24 Months	£987.97	£26,211.28

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	£500.28	25 Months	£12,826.00	£27,332.72
Hire Purchase	£25,199.00	£2,500.00	£22,699.00	£1,003.44	24 Months	£1,003.44	£26,582.56

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	£567.72	25 Months	£12,628.00	£28,753.28
Hire Purchase	£26,549.00	£2,500.00	£24,049.00	£1,063.12	24 Months	£1,063.12	£28,014.88

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	£604.26	25 Months	£13,725.00	£30,727.24
Hire Purchase	£28,349.00	£2,500.00	£25,849.00	£1,142.69	24 Months	£1,142.69	£29,924.56

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Representative Finance Example

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