Representative Example
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Representative example: Borrowing £29,000 over 108 months at 11.9% APR representative. Cash price £33,000 with a £4,000 deposit. 108 monthly payments of £429.07, including a £10 option-to-purchase fee. Total charge for credit £17,340. Total amount payable £50,340.
| Segment | Deals † | Rep APR | Amount of credit | Term (m) | Deposit | Monthly | Total payable |
|---|---|---|---|---|---|---|---|
| Overall regulated HP | 205 | 11.9% | £29,000 | 108 | £4,000 | £429.07 | £50,340 |
| B-rated customers | 114 | 11.9% | £30,500 | 96 | £5,000 | £484.16 | £51,479 |
| Motorhome | 91 | 10.9% | £37,500 | 120 | £5,000 | £503.85 | £65,462 |
| Campervan | 38 | 12.9% | £28,500 | 120 | £3,250 | £412.26 | £52,721 |
† Number of regulated hire purchase agreements arranged in the six months to 30 September 2026. Representative APRs are the rate at or below which we reasonably expect at least 51% of agreements resulting from this promotion to be made, based on that business re-priced at our current lender rates. Reviewed at least every six months. Rates depend on your circumstances, the vehicle and the lender; Creative Funding Solutions Limited is a credit broker, not a lender.