Finance Representative: Borrowing £12,000 over 5 years with a representative APR of 13.9%, an annual interest of 7.3% (fixed) the amount repayable would be: first payment of £273.56 followed by 70 payments of £273.56 and a final payment of £283.56. The total cost of credit is £4413.60 and the total amount repayable is £16413.60