With a deposit of £800.00 and borrowing £7,395.00 over 60 months, at a representative APR of 10.9%, the amount payable would be £158.55 in the first month, and a final payment of £159.55, which includes a £1.00 option to purchase fee. The total amount payable is £10,314.00, which includes £2,118.00 interest at 5.7% fixed. The rate you are offered will depend on your individual circumstances.