Representative Example for Hire Purchase (HP): Cash price £22,999.00, Annual Interest Rate (fixed) 5.73% p.a., with a representative 10.9% APR, total amount of credit £20,700.00, deposit of £2,299.00, an initial payment of £443.84, followed by 58 monthly payments of £443.84 with a final payment of £444.84, total amount payable is £28,930.40