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Personal Contract Purchase (PCP) representative example

Based on a cash price of £12,450 with a £1,000 customer deposit, borrowing £11,450 at a representative APR of 8.9% and the following:
Based on a cash price of £12,450 with a £1,000 deposit, borrowing £11,450 over 48 months at a representative APR of 8.9%. 48 monthly payments of £182.62. Fixed interest rate per annum: 3.89%. Optional final payment: £5,738.50. Amount of Credit: £34,999.00. Amount of interest: £1,779.38. Total amount payable: £15,504.26. Annual mileage limit: 10,000 miles. Excess mileage charge: 9.4p per mile
48 monthly payments of£182.62
Fixed rate of interest per annum3.89%
Amount of Credit£34,999.00
Option-to-purchase fee£10
Optional final payment£5,738.50
Amount of interest£1,779.38
Total amount payable£15,504.26
Annual mileage limit10000 miles
Excess mileage charge9.4p per mile