Finance representative example Personal Contract Purchase: Payable by 47 payments of £349.12 and a final payment of £10,630.00. Payments are based on a duration of agreement of 49 Months, 6,000 miles per annum, a Cash Price OTR of £23,700.00 with a deposit of £349 leaving an amount of credit of £23,351.00. The agreement is calculated using a fixed rate of interest of 5.73% per year resulting in Representative 5.9% APR and a total amount payable of £27,736.76. Excess mileage charged at 0.5 to 0.13 pence per mile.