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Glossary of terms

From an HP to your APR, we cut through the nonsense to help you demystify the world of car finance.

A Representative APR is a financial service concept in which credit or loan interest rates quoted through advertising are required to take into account all charges associated with a product, in addition to the interest rate. Now that may sound a little confusing, but in a nutshell it just means the yearly rate at which a lender may charge the customer for borrowing. It allows customers to compare other products easily and fairly