Representative finance example: Amount of credit £4,000 for 3 years. Interest rate: 22% pa (fixed). Documentation Fee First Payment of £250, followed by 35 Payments of £186.49 and then one final payment (incl £75 Option to Purchase Fee) of £261.49. Total Charge for Credit £3,038.64. Total Amount Payable: £7,038.64.Representative 48.6% APR.