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Personal Contract Purchase (PCP) representative example

Based on a cash price of £12,499 with a £2,500 customer deposit, borrowing £10,000 at a representative APR of 9.9% and the following:
47 monthly payments of
£161.97
Fixed rate of interest per annum
9.45%
Option-to-purchase fee
£10
Optional final payment
£5,340.00
Amount of interest
£5,453.19
Total amount payable
£17,952.19
Annual mileage limit
6,000 miles
Excess mileage charge
4.8p per mile