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Representative Example for Hire Purchase (HP): Cash price £22,990.00, Annual Interest Rate (fixed) 5.19% p.a., with a representative 9.9% APR, total amount of credit £20,691.00, deposit of £2,299.00, an initial payment of £434.34, followed by 58 monthly payments of £434.34 with a final payment of £444.34, total amount payable is £28,369.40