Finance representative example - personal contract purchase: Payable by 48 payments of £221.40 and a final payment of £4,296.59. Duration of agreement of 48 Months, 10000 miles per annum, a Cash Price OTR of £13,995.00 with a deposit of £3,000.00 leaving an amount of credit of £10,995.00. The agreement is calculated using a fixed rate of interest of 6.72% per year resulting in Representative 12.9% APR and a total amount payable of £17,923.79. Excess mileage charged at 14.9 pence per mile.