Representative example: Personal Contract Purchase (PCP) OTR cash price: £18,000. Customer deposit of £1,800. Total amount of credit £16,200 at a representative APR of 11.4% - 35 monthly payments of £331.85. Optional final payment of £8,426.90. Cost of credit £4,173.50. Annual Mileage 10,000. Excess Mileage 7.5p per mile. Total amount payable £22,173.50. Fixed rate of interest 5.86%. At the end of the agreement you can part-exchange the vehicle, return the vehicle and not pay the final lump sum repayment or pay the final lump repayment to own the vehicle to own the vehicle.