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"Rates", the word on its own can be misleading, because they can be calculated & explained in different ways & may, or may not, include or exclude, additional "charges".
So, the best way to compare any deals you may be offered is to compare the "T.A.P.", the Total Amount Payable (of your finance agreement), including all charges, over the term of the contract. Also check any penalties you may incur for early completion.
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