Rates start from 9.9% APR – Representative example APR of 19.9% on Hire Purchase car finance loan borrowing £6,500 over 5 years with a Representative APR of 19.9% fixed and deposit of £0.00. The amount payable is £166.07 per month, with a total cost of credit of £2125.46 and a total amount payable of £8625.46.