Representative Example: Loan amount ?200 for 35 times. Payable in One repayment that is total of Interest charged is ?56.00, Rate of interest 292% pa (variable). Representative 1212% APR. Representative Example: Loan amount ?400 for ninety days. Payable in 3 month-to-month instalments of ?187.31 Total amount repayable ?561.92 Interest charged is ?161.92, Rate of interest 161.9% pa (variable).