they show the flat rate as 3.04% but the annual percentage rate is 5.9% which I think is charged monthly or even daily .I am not sure how they work percentage rates out but I think the figures are right as per Volvo quote but you need a mathematician to work it out or a programme which works out the figures which is probably what Volvo have. We need a banker to do the figures I just pay the monthly figure as I am sure they have to give these quotes in accordance with some regulations.
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